How to save Rs 10 crore for retirement without taking too much risk

THE ECONOMIC TIMES Tue, May 31, 2016 | 09:33 AM IST ET Wealth Newsletter

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How to save Rs 10 crore for retirement without taking too much risk This is how much a 30-year-old, spending Rs 50,000 a month, will need to fund his retirement. Find out how to reach this figure in a hassle-free way. Looking for home loan? Here's how to choose your lender The quantum of loan you are likely to get will depend on the value of the property. Typically, it would be 80-85% of the property value. Six things about home loan tax incentives you didn't know Even if you get a discount on both, your tax bill can burn a hole unless you know the rules well. Here goes a list of six lesser known tax benefits. From our Partners 8 health insurance jargons explained The fine print of health insurance plans and the insurance jargon may cost you dearly. Here's an explanation of a few common terms used in health insurance policy for a better buying experience. From our Partners What do you do after a car accident? How mobile technology is changing the way you pay Cash and cards have made way for virtual payment tools that are fundamentally altering the payment transaction landscape in the country. Want to buy gold? Sovereign bonds may be best long term option According to an ET Wealth online survey, 48% people are planning to buy gold, but they are not so enthused about picking it up in the form of bonds 7 futuristic technologies that will be available sooner than you think Here are some of the futuristic tech that will be available for consumers sooner than you imagine. Do you know the real cost of smoking? Smoking burns a bigger hole in your finances than you can possibly imagine. A 30-year-old who smokesfive cigarettes a day would lose more than Rs 1 crore by the time he retires at 60. From our Partners How to meet out-of-pocket expenses with Daily Hospital Cash plans There could be out-of-pocket and incidental expenses during hospitalization which even a Mediclaim policy does not reimburse. A Daily Hospital Cash plan comes handy in tackling such medical costs. From our Partners All about critical illness plans and how to choose one Buying a health insurance plan may not be sufficient. Get a second level of protection through critical illness plan for self and family.

Financial Calculators 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 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. More Calculators

Are these turnaround companies a good investment bet? Find out Among the 1,052 companies that have reported results for the full year ending March 2016, 100 were able to turnaround in 2015-16. South India likely to hire the maximum in 2016-17: Survey Consultants and job portals are the best avenues for sourcing employees, reveals a recent survey by Genius on hiring trends. How to modify nomination in your accounts, MF folios Nominations can be modified during the lifetime of the account holders any number of times. Despite NPA crisis there is still hope for PSU banks The NPA crisis is proving a nightmare for investors. But things are likely to improve. 2 years of Narendra Modi government: 10 steps that transformed lives of small investors As the government completes two years in office, we list 10 steps taken by the Centre that have made a difference to you as an investor. Stock market requires a disciplined approach to investing Investors interpret the equity market in different ways, but they must understand that outcomes cannot be predicted. Mid & small caps can offer attractive prospects: Janakiraman Rengaraju, Franklin Templeton, India "A good monsoon can certainly be a key enabler for the ongoing improvement in demand," says, Janakiraman Rengaraju Vice President & Portfolio Manager, Franklin Equity, Franklin Templeton Investments, India Middle-aged Indians best health planners: HDFC Life survey The Indian youth score the lowest when it comes to securing their health risks, according to the HDFC Life Health Planning Index. Family Finances: Solapur-based Gaikwads should redirect savings to equity to meet financial goals "I need advice on my portfolio and want suggestions on investing for all my financial goals." Amit Gaikwad Why should one equate SIPs with EMIs? SIPs in equity mutual funds will build wealth over the long-term and that is the tangible benefit of regular saving and investing. Stellar Q4 performance, expanding network make Gujarat Gas analysts' favourite The fall in gas prices and expanding distribution network will build margins and volumes respectively. Smart things to know about deferred expenditure When a business entity incurs an expense on an asset, it uses depreciation to allocate the cost to each year of business and is called deferred expenditure. Startup Shirsa Media Labs uses the power of the Net to gamify kids' learning This Mumbai-based edutech startup harnesses the power of the Net to gamify children's learning.

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Golden Cross on Nifty50 charts, signs of bull run all over! Themes for a growth portfolio to bet on

ET Markets Daily Brief | Tue, May 31, 2016 | 05:28 PM IST Follow ET Markets

Golden Cross on Nifty50 charts after 30 months; signs of bull run all over A 'Golden Cross' occurs when the short-term moving average, such as the 50-day EMA of the underlying index, crosses the long-term moving average. Five themes for a portfolio to bet on a bounceback in the economy If global cues remain stable and monsoon is normal this time around, the economy should do well and should be able to hit the 8% mark sooner than expected. Calm before the storm? Look towards east, not west, for the next big scare The past is a great teacher and a look back into the market movement in the past three months suggests this calmness is holding a storm in its belly.

Interview One to One Overall economic growth is not showing any signs of a pickup as the underlying malaise in capex and in the banking se... Saurabh Mukherjea, CEO, Institutional Equities, Ambit Capital

Advertorial How and when to de-risk one's investment portfolio As one nears long-term goals, it is important to preserve the accumulated wealth through the process of de-risking. Read on to find out how and when de-risking helps in the financial planning process.

Market Watch 31 May | 05:28PM| SENSEX NIFTY USD/INR GOLD 26667.96 ↓-57.64 8160.10 ↓-18.40 67.26 ↑0.09 28635.00 ↑32.00

Gainers Losers 31 May, 2016, 05:28PM IST, PTI|View All Company Name Live Price Change (%) Volume High Low Gokaldas Exports Ltd. 86.15 19.99 546792 86.15 84.05 Filtra Consultants & Engineers Ltd. 20.59 19.99 7500 20.59 20.59 Celebrity Fashions Ltd. 10.15 19.98 101266 10.15 9.30

Tweet of the day... F&O view: Fresh Put writing at strike price 8,000 giving comfort to the bulls

FROM THE NEWSPAPER

Here's what happened on Dalal Street all through Tuesday If you are reading this, chances are Sensex and Nifty are part of your daily life, and actions on Dalal Street can make or mar your day. Almost a 1,000-point rally in Sensex in May; five stocks you can look at Data from over 1,000 companies, which have reported their March quarter earnings so far, showed net profit rose 41.78% during the quarter on YoY basis. Mutual Fund houses receive 16,425 investors' complaints in FY16 These complaints pertain to data corrections in investor details and non-updation of changes about address, PAN (Permanent Account Number) details and nomination, among others. Some cheer and jeer! 4 tax decisions that will impact your pocket from tomorrow If you are taxpayer, there is some cheer and jeer coming your way tomorrow. Here's a quick list of what's going to impact your pocket from Wednesday. Modi government's new way to tax Google, Facebook kicks in from tomorrow The specified services covered by the levy include online advertising, provision for digital advertising space and any other service to be notified by government.

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