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March 02, 2017

Traditional life insurance plans offer poor returns and low risk cover, best to avoid them


Tue, Feb 28, 2017 | 06:33 AM IST
ET Wealth Newsletter
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Traditional life insurance plans offer poor returns and low risk cover, best to avoid them
ET Wealth looked under the hood of 10 such traditional plans and found that the average return in them was barely 4.8 per cent.
Should you accept a buyback offer for your shares? Here's how to evaluate
While buybacks could be an effective option for companies, as they are not taxed on the repurchase of their shares, you need to understand your tax liability.
Why credit risk in debt MFs is higher than interest rate risk
Credit risk is a risk of loss of capital, whereas interest rate risk is a volatility risk. Investors should not go after higher yields by reducing credit quality.
From our Partners
Rise of direct plans of mutual funds
Ever since the Securities and Exchange Board of India (SEBI) introduced the game-changing alternative of direct plans in mutual funds there has been a significant rise in the portfolios switching to and investing in this option.
From our Partners
Get a Home Loan at 4%* at Ananta by Omkar, Goregoan East
Are you prepared for a poor salary increment?
The slowdown in funding to companies for expansion and demonetisation is expected to impact the profitability and hence, employee appraisals.
Did Union Budget 2017 help in job creation?
Most professionals feel the focus on education and skill development will help resolve the problem of unemployment. However, results will be gradual.
Should you reverse mortgage your home in wake of fall in interest rates? Find out
It is, in a way, a mirror image of home loans, where an individual takes a lump sum loan and repays it through instalments.
Invest in few simple products, avoid complicating portfolio to achieve financial goals
When it comes to savings products, simplicity is not just a useful characteristic, it is absolutely mandatory.
From our Partners
Why term insurance is important to cover all home loan risks
It's important to cover home loan liability and not let the burden fall on family members in case of an eventuality. Here's a look at all the major risks and how to cover them effectively.
From our Partners
Union Budget 2017 - Impact on Real Estate in India
For his Budget 2017-18 announcements, Arun Jaitley, the Finance Minister, has been given a big thumbs-up by the Indian real estate sector.

Financial Calculators

Tax Impact Calculator
Tax Impact Calculator
This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable.
Home Loan Refinance
Home Loan Refinance
Should you refinance your home loan?
Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy.
5 stocks that destroyed Rs 1,78,427 crore over last 10 years
Among the most popular stocks a decade ago, these today rank among the biggest destroyers of shareholder wealth.
Why you should not include parents in medical insurance floater policies
The premium for family floater is based on the age of the oldest member. Hence, including elderly parents in the floater plan will mean paying a higher premium.
Nuggets of wisdom from legends to help you in your career
From discipline in daily routine to extreme training, among many other things, a successful leader leads by setting an example.
What should be the duration of a term insurance plan?
The duration of term plan solely depends on when you see yourself accomplishing your major financial goals. If it is 10 years, you require a term plan for 10 years only.
Financial products need to be simpler to enable quick decision making
People perceive fine print to be complex. Fluency is high when a product has a simple name in contrast with the long technical names of most financial products.
MF Portfolio Doctor: Gadiyar should cut risk by shifting to large cap funds for medium term goal
Portfolio Doctor will help you analyse the performance of your mutual funds and their suitability for your financial goals.
Four steps to join the National Pension Scheme
One need not be a government employee to join the NPS. Any Indian citizen between 18 and 60 years can become its subscriber.
Smart things to know about why health cover claims get rejected
The health insurance policy is renewable provided you pay the premium within 15 days of expiry date after which it lapses.
Tax Optimizer: Why salaried Verma should get employer to stop HRA to save tax
Taxspanner estimates that Sujeet Verma can reduce his tax by more than 50 per cent if his salary structure is tweaked a bit.
HDFC Capital Builder Fund: Healthy long-term track record
With a 10-year return of 13.98%, this fund has outperformed both the category average (11.69%) and the benchmark return (8.66%).
Stock pick of the week: Why Kajaria Ceramics is a long term growth story
Excessive correction in the counter, increasing market share, bright sectoral prospects, and reducing debt have made Kajaria analysts' top pick.
Family Finance: Starting to save early, high surplus to help Bengaluru-based Kumars meet goals
Here's why salaried Saurav Kumar and Slagha Sreyans, 31, won't face any difficulty in meeting their long list of goals.
H1-B visa issue to get resolved soon: John Praveen, Pramerica International Investments
US equity markets will see a spike in inflows due to Trump's policies, says John Praveen, MD & Chief Investment Strategist, Pramerica International Investments.
Alternative investment returns monitor: For week ending February 22, 2017
Here's a weekly tracker of returns from alternative investment avenues such as Diamond, Precious Metals, Wine and Coin.
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