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

WHAT'S HOT #HealthInsurance,#TermInsurance

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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Traditional Ghee Healthier than Refined Oil: New Study

RemedySpot.com:

Traditional Ghee Healthier than Refined Oil: New Study

Indian traditional style cooking, which requires mustard oil, ghee and coconut oil, may actually be better for your health than refined oil, a new study published in the Indian Heart Journal has revealed.

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News Digest: Govt plans to have tobacco warnings in school books

		THE TIMES OF INDIA
		Tuesday, May 31, 2016
		Today's Headlines

		India
		Govt plans to have tobacco warnings in school books In an attempt to discourage tobacco consumption among youngsters, the health ministry is planning to introduce anti-tobacco pictorial warnings as part of essential reading for school students. Proposed anti-trafficking law makes rehabilitation a right As Per Draft, Victim Won't Go To Prison CBI backs accused to be approver in coal scam case The CBI on Monday supported the plea of an accused to become an approver in the Amarkonda coal scam case in which industrialist and Congress functionary Naveen Jindal is an accused. More India News»

		Business
		Arun Jaitley invites pension funds, Japanese investors Finance minister Arun Jaitley on Monday met key ministers in the Japanese administration to invite pension funds to partner in India's infrastructure development. He met Deputy Prime Minister and Finance Minister Taro Aso to discuss investment opportunities India presents to the Japanese investors. Indian economy to grow 7.7% in this fiscal: Survey Indian economy will grow 7.7% in the ongoing fiscal amid likely improvement in the industrial and agricultural sectors' performance on account of good monsoon, though the investment cycle is expected to take at least 6 months to witness a pick-up, Ficci's Industry's Economic Outlook Survey says. Sitharaman wants extension of tax holiday for startups Commerce and industry minister Nirmala Sitharaman said the finance ministry should consider raising tax holiday for startups to 7 years from the current 3 years to encourage budding entrepreneurs. She said lots of inputs from startups have been received and "recommendations have gone to the finance ministry". More Business News»

		Environment
		Australia's Great Barrier Reef hit by massive bleaching Mass bleaching has killed more than a third of the coral in the northern and central parts of Australia's Great Barrier Reef, scientists said and warned the extent of the damage has serious implications. Experts say the bleaching has been triggered by global warming and El Nino. Tibet plans new wetland nature reserve The Tibetan government is planning to establish a new nature reserve in 88,000 hectares of wetland which will be established in the Mitika wetland in Lhari county, Nagqu prefecture. The local government has invested over $4 million into the wetland's restoration and protection since 2010. Galapagos project: A model for sustainable development The success of a global renewable energy project on Ecuador's Galapagos archipelago has given a major boost to the idea of sustainable development, according to a report. It says the San Cristobal Wind Project reduced the archipelago's greenhouse gas emissions and preserved critically endangered species. More Environment News»

		World
		Brazil's anti-corruption minister quits over leaked recordings Brazil's Transparency Minister Fabiano Silveira resigned on Monday after leaked recordings suggested he tried to derail a sprawling corruption probe, the latest cabinet casualty impacting interim President Michel Temer's administration. Attempted North Korea missile launch fails A North Korean missile launch attempt early on Tuesday morning appears to have failed, a South Korean military official told Reuters. White House back to normal after partial lockdown The White House has returned to "normal operations" after a partial lockdown triggered when an individual threw a metal object over the fence, a US Secret Service spokesman said on Monday. More World News»

		Entertainment
		'I don't care how I'm criticised' Sonakshi Sinha gives 'Trump' major thumbs down Actress Sonakshi Sinha is currently holidaying in the USA. Geeta Basra's baby shower on June 4 Celebrations have begun at the Basra household. More Entertainment News»

		Science
		Comets did deliver life's ingredients on Earth: Study Even if comets did not play as big a role in delivering water as once thought to the Earth they certainly had the potential to deliver the ingredients of life, new research has found. More than 140 different molecules have already been identified in the interstellar medium. New drug to fight skin cancer developed A new drug, HA15, believed to be capable of treating melanoma, has been synthesized by scientists. Melanoma is an aggressive form of skin cancer which affects melanocytes, the cells that produce melanin, the pigment that colours skin. Scientists devise a new method to deal with jet lag More Science News»

		Sports
		Alastair Cook surpasses Tendulkar as fastest to 10k runs in Tests Cook was dismissed for 15 runs in the first innings and the landmark came in post-lunch session of the fourth day in the second over of the second innings when he flicked a Nuwan Pradeep delivery to mid-wicket for four. Virat Kohli is ready to captain in all formats, feels Ravi Shastri "A time has come where you have a guy you have groomed over a period of time, who is ready. In the next 18 months, India hardly play any ODIs, the gaps between Tests and ODIs are massive. So its time to look ahead," Shastri said. Ceat Award: Virat Kohli named T20 Player of the Year Virat Kohli was on Monday named Ceat T20 Player of the Year while former India captain Dilip Vengsarkar was conferred with the Lifetime Achievement Award at a glittering function attended by several past and present players. More Sports News»

		Technology
		7 'futuristic' technologies that are almost here From bendable displays to batteries that last for years, technology is continuously evolving. Here are some of the futuristic tech that will be available for consumers sooner than you imagine. Sony Xperia X, Xperia XA, and Xperia XA Ultra launched in India; price and specs revealed The Japanese tech giant, which was earlier speculated to be launching just the Xperia X and the Xperia XA smartphones, has also launched the Xperia XA Ultra in the country. It's about celebrating Indian technology: Nadella "We are creating a canvas for future apps and it will be a game changer," said Microsoft CEO Satya Nadella delivering keynote at the company's 'Tech For Good, Ideas for India' event. More Technology News»

		Education
		Over 1.29 lakh apply for post graduate programmes in Delhi University DU Admissions: Helpdesks, helplines, computer labs to assist applicants More than half of Bihar board class X kids fail Less than half of the 15.47 lakh students passed class X examinations conducted by the state board, showing a sharp drop of 28% compared to the last year's results. More Education News»

		Mumbai
		In drought-hit Maha village, farmers resort to online crowdfunding to give canal a new life Over the last fortnight, the sleepy Horti village in the drought-hit Osmanabad has been witnessing a sudden rush of activity. Social media not tickled by the joke but defends right to 'lousy humour' There was a sense of deja vu when an instance of extreme insult comedy backfired and landed Tanmay Bhat in the spot once more. Emraan's deal with wife: One bag for every film he kisses in Mumbai, May 31 (IANS) Actor Emraan Hashmi, who has earned the nickname "serial kisser" for his on-screen kisses, says that his wife Parveen still sulks about his kisses and calms down only after Emraan gifts her a bag for every film he kisses in. More Mumbai News»

		Delhi
		Drunk Africans beat up cabbie, woman arrested Six Africans, including two women, allegedly beat up an Ola cab driver - dragging him out on the road, kicking him in the stomach at least a dozen times and smashing his face with a steel knuckle - after the cabbie refused to seat all of them in the taxi. Now, discoms will pay you if they fail to fix outages in time Last week, the Delhi government had directed DERC, under section 108 of the Electricity Act, to finalise penalties in the regulations within a week. Soon, neighbourhood postman to deliver 'Gangajal' at your doorstep The Modi government will soon deliver holy 'Gangajal' at your doorstep, using the neighbourhood postman. More Delhi News»

		Bangalore
		No water, no bills, slum dwellers dig their heels in Food and civil supplies minister Dinesh Gundu Rao is likely to recommend to the chief minister to waive BWSSB bills to be paid by the economically weaker sections living in slums. Youth attacked for taking photos of man riding on footpath Stopping a man from riding on footpath in Koramangala on Monday morning proved costly for a youngster. Koppal deputy conservator becomes first Indian forest officer to scale Mt Everest More Bangalore News»

		Hyderabad
		New sun rises among IPL stars For some time in the IPL-9 final on Sunday, Sunrisers Hyderabad (SRH) looked like they would end their campaign in the manner they started: with a pasting from Royal Challengers Bangalore. Fresh row as UoH students stitch new Velivada tent AP blues: AIS officers seek central postings More Hyderabad News»

		Chennai
		Drunken brawl results in murder A 47-year-old man was beaten to death by a friend in Pudupet during a drunken brawl on Sunday night. 'No change in Jayalalithaa's political decency' :DMK chief Chennai, May 30 () DMK chief M Karunanidhi today hit out at Chief Minister Jayalalithaa, asking if it was political decency to leave the state assembly when he was entering it to take oath as an MLA. Karuna blames Centre, media for bid to make sour DMK-Cong ties Chennai, May 30 () DMK patriarch Karunanidhi today blamed sections of media that are "pro-AIADMK," and central government intelligence wings for what he claimed "sowing seeds of discord" between his party and ally Congress. More Chennai News»

		Ahmedabad
		28k engineering forms sold on 1st day Last year, 22,000 seats in the engineering courses remained vacant in the state.Nearly 54,000 students had applied for the engineering courses then. GU to write off non-functional assets Gujarat University (GU) has decided to write off its old and non-functional assets like computers, type-writers, cycles, telephones and cars that are lying unused in its various departments for more than 50 years. Class IX science cut-off drops by 5% The first merit list for science stream in about 200 schools of Ahmedabad city and rural, for admission to class eleven, was declared on Monday. More Ahmedabad News»

		Allahabad
		Kisan meet: BJP workers hold jan jagran The workers of Kashi prant of Bharatiya Janata Party are working for the success of May 31 'Kisan Mahasammelan', to be addressed by party national president Amit Shah is a success. NCR officers go footplating on trains For the first time in the history of Railways, officers of North Central Railway (NCR) sat along with the drivers in about 120 trains and monitored their efficiency (technically called foot plating). Unclaimed object triggers panic at Rambagh railway station A red colour object found at Rambagh railway station on Sunday triggered panic among passengers.An alert was sounded and passengers were not allowed in the vicinity of the area. More Allahabad News»

		Bhubaneswar
		Plus II commerce, arts results to be out tomorrow Bhubaneswar cops start 'No helmet, no petrol' drive In a belated move, Bhubaneswar police joined Bargarh and Rourkela police in making it mandatory for fuel stations to sell petrol to only those bikers, who wear helmets. Online audit of prescriptions soon More Bhubaneswar News»

		Bhopal
		IAS officer gets notice for FaceBook post on Modi The Madhya Pradesh government on Monday sought an explanation from IAS officer Ajay Gangwar for his comments on Facebook against the Union government and PM Narendra Modi.He has a week to reply. MP govt slaps NSA on duo for Facebook post Madhya Pradesh government on Monday booked two Mumbai youths under the National Security Act (NSA) for an "offensive" Facebook post on a Hindu deity.The two cannot file for bail for the next two months. IAS Gangwar gets a notice for FB post on Modi The Madhya Pradesh government on Monday issued a show-cause notice to the controversial IAS officer Ajay Gangwar for his satirical comments on Facebook against the Union government and its head. More Bhopal News»

		Chandigarh
		'Stir showed Munak canal vulnerable to terror attack' "If a group of agitators could stop an important source of water supply to the national capital, what could a determined group of terrorists do is rather discomforting to imagine." . AAP no threat to us in Punjab, says Soni Cops misled Army during Jat unrest in Haryana? Did local officials mislead the Army during the peak of the violence during Jat reservation protests in Haryana in February? The Prakash Singh committee report, accessed by TOI, talks of several instances where the force was either misled or underutilised. More Chandigarh News»

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