ULIPs 2.0: Why you should buy these insurance-cum-investment plans now

ULIPs 2.0: Why you should buy these insurance-cum-investment plans now While the low charges of new Ulips make them attractive, the main advantage is the seamless and tax-efficient transfer from debt to equity, and vice versa. How to rebalance asset allocation in your portfolio Rebalancing simply means modifying the portions held in various asset classes in line with the planned asset allocation of the investor. 5 smart things to know about pension plans offered by mutual funds Mutual funds offer pension plans that allow accumulation of corpus for retirement by using a combination of equity and debt securities. Why you should avoid investing in closed-ended funds There is no performance track record to judge a closed-end fund. Having a track record helps in gauging the ability of the fund to deliver good results in the future. How you can boost your portfolio returns by paying attention to the charges applicable in mutual funds A high expense ratio reduces your returns. The money that would have gone into your pockets goes to the fund house if the expense ratio is high. Quote of the week "Today, what we got is not money but the trust of people. (It is) my responsibility to make sure these shareholders are happy." Jack MaAlibaba Founder Family Finances Why Gaurs need to start investing in equities to achieve their financial goals Despite a high income and low expenses, the Gaurs will be unable to achieve their modest goals, unless they correct the skew in their portfolio. Financial Planning How you secure your retirement by investing in equities Adequate savings, investment in equities and investments that beat inflation are a must to build a corpus for a comfortable retirement. Money-making venture How Ganesh Kini's printing business has grown to Rs 3 crore in seven years He started approaching small- and medium-sized vendors in the city with the offer to design their receipt books, letterheads etc. Entrepreneurs How Dinesh Samudra's Rs 6 crore Palash Healthcare Systems is growing globally After a career spanning over 17 years, Dinesh Samudra decided to create an identity for himself with the Rs 6 crore Palash Healthcare Systems. Financial Calculators Plan your car Car cart! 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. Home Loan Refinance Should you refinance your home loan? Find out how much you will have on retirement with different combinations of savings, percentage returns, time to go and tax rate. More Calculators Six things Ulip investors should keep in mind The switching facility in Ulips is a potent tool as it lets investors make the most of the insurance-cum-investment plan. Market is going to reward those who are invested in quality businesses: Mrinal Singh, ICICI Pru AMC The market is going to reward those who are invested in prudently managed companies and quality businesses, says Mrinal Singh. Online Ulip from HDFC Life is more cost-effective than mutual funds: Sanjay Tripathy 'Even if you compare it to the current lock-in norms of equity-linked savings' schemes and debt mutual fund schemes, it is a great proposition. ' ET Wealth's first book on personal finance, You Can Be Rich launched An engaging panel discussion by leading experts marks the launch of ET Wealth's first book on personal finance, You Can Be Rich. ET Wealth's book 'You Can Be Rich' is a onestop shop for all basic queries on personal finance ET Wealth has come out with its first book, You Can Be Rich, aimed at educating its readers and making them more prosperous. Daily Newsletter Special stories that round up the major developments of the day Markets Watch Round up of stock, currency, bond, money and real estate market IPO Watch Gives you the latest IPO/FPO related news Live-Market News Portfolio Mobile Live TV Newsletter Commodities Speed Blogs Alerts Follow Us on ET: About us|Advertise with us|Terms of Use|Privacy Policy|Feedback|Sitemap|Code of Ethics © 2014 Times Internet Limited. To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here To unsubscribe or edit your subscriptions please click here

News Digest: Chandrababu Naidu, Raman Singh create joint task force

		THE TIMES OF INDIA
		Tuesday, September 23, 2014
		Today's Headlines

		India
		Chandrababu Naidu, Raman Singh create joint task force Chhattisgarh and Andhra Pradesh have formed a joint task force for cooperation and to create a win-win situation for development of both the states. Leave 'love jihad' to Bajrang Dal, UP BJP cadre told Former RSS spokesman and now senior BJP leader Shiv Prakash has asked partymen to refrain from speaking on or of 'love jihad' in public, saying organizations like the Bajrang Dal should deal with such issues. Former Union minister questioned in Saradha scam On a day CBI questioned senior Congress leader and former Union minister Abu Hasem Khan Chowdhury, the central intelligence agency indicated that some bank officials played a key role in the functioning of the Saradha group. More India News»

		Business
		ETF with L&T, ITC, Axis stocks planned The government is unlikely to offload Axis Bank shares in the market as it had earlier planned but is instead looking to bunch a part of its holding in the lender, along with some of the shares it holds in L&T and ITC, to float a new exchange-traded fund (ETF). Loan rates ease amid competition Planning to buy a new set of wheels this festive season? Or zeroing in on your dream home? Don’t fret about the fact that the RBI has not cut interest rates. Lamborghini's Huracan to cost Rs 3.4cr Automobili Lamborghini SpA, the luxury sports car maker owned by Volkswagen through its Audi unit, on Monday launched the all-new Huracan in India for Rs 3.43 crore (ex-showroom, Delhi). More Business News»

		Environment
		Forest dept tries to explain away Maharashtra's missing tigers Six days after TOI reported 40 tigers missing in Maharashtra, based on information received under the RTI Act, the forest department on Saturday tried to explain away the discrepancies. Punjab government to start campaign for clean, green schools In a bid to make government schools clean and green in Punjab, the state education department will start a month-long campaign from Friday. CO2 emissions set to reach record high in 2014 Ahead of the New York Climate Summit, researchers have revealed that carbon dioxide (CO2) emissions, the main contributor to global warming, is set to rise again in 2014 - reaching a record high of 40 billion tonnes. More Environment News»

		World
		IS-linked group 'threatens to kill' French hostage in Algeria The jihadists are now advancing on a key border town in northern Syria, sending 130,000 terrified residents fleeing to Turkey. Jury finds bank liable for backing Hamas-related terrorism The defence argued there was no evidence Arab Bank executives supported terrorism and rubbished the allegation that the institution knowingly made payments to designated terrorists. White House intruder had ammo in car: Report The secret service didn't open fire on Gonzalez or send attack dogs after him. More World News»

		Entertainment
		Katrina: I care for Ranbir and am protective about him Katrina Kaif, 31, is intelligent, incredibly sensitive and self-made. She is not just one of our most beautiful actresses, but she is absolutely honest and can be loyal to a fault when it comes to her family and friends. Kareena praises Neetu Chandra as Umrao Jaan Neetu Chandra made her foray into theatre by essaying the iconic character Umrao Jaan about a year ago. What makes Salman Khan Bollywood's Rajinikanth? Salman's action: Salman Khan, who is known for his golden heart is the top contender to be the next Rajinikanth in Bollywood. More Entertainment News»

		Science
		SpaceX breaks ground on Texas rocket launch site The commercial rocket launches that could begin as early as 2016 in the southernmost tip of Texas will be a critical step toward one day establishing a human presence on Mars, SpaceX founder and CEO Elon Musk said on Monday. Emotion? Confidence can actually be measured Confidence may actually be a measurable activity in the brain, not just an emotion or a feeling, scientists have found in experiments with rats. 'Gene editing' to help kill superbugs MIT engineers have developed a new gene-editing system that can selectively kill bacteria carrying harmful genes that confer antibiotic resistance or cause disease. More Science News»

		Sports
		Live Blog: Incheon Asian Games 2014, Day 4 Abhinav Bindra will be keen to end his career on a high by winning his maiden gold medal, while Saurav Ghosal starts as favourite to win India's first squash gold in the Asian Games. Tomorrow will mark the end of my shooting life: Bindra Abhinav Bindra, who would be competing at the 10m air rifle event in Asian Games, created a flutter by saying that Tuesday would be his last day in shooting. Federer replaces injured Nadal in Indian team for IPTL The IPTL announced that Swiss great Roger Federer will replace Rafael Nadal in the Indian team for the new league as Spaniard has pulled out due to injury. More Sports News»

		Technology
		Yahoo buys out Bangalore startup Bookpad After Facebook's acquisition of Little Eye Labs and Google's buyout of Impermium comes yet another acquisition of an Indian startup, underlining the growing innovativeness of the country's startup ecosystem. iPhone 6, 6 Plus launch weekend sales hit 10 million, break record Last year, Apple had sold 9 million iPhone 5S and 5C phones during the launch weekend. Want a job at Google? 5 things you must avoid In a recent post on LinkedIn, Bock highlights the most common mistakes that cause him to throw out a resume and how to correct them. In a recent post on LinkedIn, Here are the five resume mistakes that Bock sees again and again. More Technology News»

		Education
		IITs to frame India specific ranking system In the Quacquarelli Symonds (QS) World University Rankings released last week, not a single Indian higher education institution made it to the top 200. 20% of teachers in the country not sincere, Azim Premji says He said there’s an acute lack of quality higher education which can prepare people to work in the field of education and the social sector. IITs make entry easier, class XII cut-off now 75% The Indian Institutes of Technology have made the basic criterion for admission easier and clearer by announcing that the cutoff for students who clear the IIT-JEE (Advanced) will be 75% in the Class 12 board examinations or a top 20 percentile, whichever is lower. More Education News»

		Mumbai
		Congress, NCP to discuss seat-sharing formula on Tuesday Congress and NCP teams led by chief minister Prithviraj Chavan and Praful Patel, respectively, will meet on Tuesday to discuss a ‘respectful’ seat-sharing formula for the assembly polls. 221 women apply to drive taxis in Mumbai For the first time, the state transport department has opened the doors to women to drive black-and-yellow taxis in Mumbai. Shortage of 15,000 drivers keeps taxis off roads in Mumbai If commuters have been finding it difficult to get a taxi in the city, especially at airports and railway stations, it could be because of the shortage of drivers. According to an estimate, nearly 15% of the total black-and-yellow taxis and 10% fleet cabs have been lying idle due to absence of drivers. More Mumbai News»

		Delhi
		Auto owners told to update address The Delhi transport department has asked the owners of 3,057 autorickshaws and taxis, whose addresses could not be verified by Delhi Police, to furnish their correct residential proof. 400 private bus permits restored The Delhi government has reinstated the permits of about 400 private bus operators out of 2,579, whose permits were cancelled due to their addresses being found to be incorret by Delhi Police. Heart trouble or not, many exposed to radiation In the run-up to World Heart Day on September 29, public health experts call for greater awareness about how to avoid needless tests. More Delhi News»

		Bangalore
		These gangs take 'supari' to kill trees Social activist Sai Dutta, who’s battling to save trees, said these contract killers pose a major threat to the city’s greenery. High-speed train to Chennai will take years A high-speed train needs upgraded technology and tracks, South Western Railway officials said. Modi, Siddaramaiah will be on the same flight to Tumkur The 20-minute flight will involve no acrimony, though the two men may have gone hammer and tongs at each other’s parties earlier. More Bangalore News»

		Hyderabad
		No water supply in select areas on Wednesday There will be no water supply in certain areas in the city on September 24. The Hyderabad Metropolitan Water Supply and Sewerage Board (HMWS&SB) will take up rectification of heavy leakage on 1,600 mm dia gravity main pipeline between Sahebnagar and Mailardevpally near Chandrayanagutta flyover and also other places of Krishna Phase-II ring main-I. Visitors' number drops at Secretariat Though both Telangana and Andhra Pradesh governments are in place, there is a drastic drop in turnout of visitors at the Secretariat. Friends arrested for man's murder Police have solved the murder mystery of a 30-year-old man, whose charred body was found in the garbage near former PCC chief D Srinivas' house at MLA Colony in Banjara Hills a few days ago. More Hyderabad News»

		Chennai
		Deputy tahsildar held for Rs 136 crore land fraud R Punithavathi, 42, of Shantha Nagar in Selaiyur, had been arrested in May for similarly issuing patta for 9.5 acres worth Rs 86 crore. In less than a year, you can park, shop and ride at metro rail stations Commuters will very soon be able to drive into Alandur metro rail station, park and shop at a two-floor 1.18 lakh sqft complex at the back of the station before boarding a metro train. Police probe links between forgers and suspected ISI agent The arrested were identified as P Karuna alias Karunakaran, 43, of Washermenpet and N Moorthy, 52, of Pattalam and G Devaraj, 54, of Vyasarpadi. More Chennai News»

		Ahmedabad
		Paramedics can now collect corneas from donor cadaver The state health department has decided to allow paramedical staff to collect donated eyes. Three held for 35 bike thefts from Ahmedabad outskirts A team of Ahmedabad rural police's local crime branch (LCB) caught three youths for thefts of 35 bikes and other valuables over the last two years.Police are now searching for buyers of these stolen bikes and goods. Professional colleges haggle with committee over fee cuts Monday was a day of reckoning for many colleges.The Fee Regulatory Committee (FRC) met administrators of colleges offering engineering, MBA, MCA and other professional courses. More Ahmedabad News»

		Allahabad
		HC upholds rights of rights of sugar mills Allahabad High Court had upheld the rights of sugar mills of the state to avail the benefits, which were promised to them in pursuance of the Sugar Promotion Policy, 2004. Strict action against those flouting traffic rules The increasing road accidents on city roads and highways has forced the traffic police authorities to moot a plan to continuously monitor road safety measures at places where majority of road mishaps in terms of fatal and non-fatal category had been reported in the past eight months. Work starts on ponds for idol immersion In accordance with the directives of Allahabad high court, the district administration along with irrigation department, on Sunday, made alternative arrangements for idol immersion. More Allahabad News»

		Bhubaneswar
		Women's spirited fight against liquor Discontentment is brewing against bootlegging in Koraput hinterland.Tribal women assembled at Mathpada in Koraput district on Sunday, demanding immediate stoppage of liquor sale in their area. Site unsuitable: New airport plan grounded The state government will have to scout for a new location for the proposed international airport as the Airports Authority of India (AAI) has found that the site at Malipada in Khurda district not suitable. Students plan market launch of 'smallest' washing machine Three students of the National Institute of Technology, Rourkela (NITR), credited with inventing the 'smallest' portable washing machine, are now planning to introduce it in the market. More Bhubaneswar News»

		Bhopal
		Two villagers shot dead, 14 forest officials injured after clash in Madhya Pradesh Two people including a tribal woman were shot dead by Special Armed Force (SAF) personnel in a firing spree to rescue a forest ranger from teak wood smugglers who allegedly tried to set him ablaze in Chhaindwara district of Madhya Pradesh on Monday evening. Income Tax raids AIIMS premises to check TDS evasion in Bhopal The tax deducted at source (TDS) wing of the Income Tax department conducted surveys at the premises of All India Institute of Medical Sciences (AIIMS), Bhopal on Monday. Peta's call to Muslims to observe vegetarian Eid misfires One policeman was injured and a Peta volunteer roughed up by protestors, which included women, and later whisked away by Bhopal police. More Bhopal News»

		Chandigarh
		Iron grills can improve road safety: Traffic police The report reads, "The iron grills prevent unauthorized crossing of pedestrians and two-wheelers across the dividers. 42% teens have booze in Chandigarh, says study Selected students were questioned about their experiences with alcohol.Of the 280 students studied, those who used alcohol once and never again numbered 30, subsequent users were 96 and non-users, 154. Khalsa Warriors beat United Singhs in World Kabaddi League Khalsa Warriors continued their invincible run with a hard-fought 57-50 win over United Singhs in the Wave World Kabaddi League here.The warriors won their seventh match in eight games, with one tie against their name. More Chandigarh News»

		To manage your newsletter subscription settings, click here	Other Newsletters from TOI : Top Headlines | Tech | Entertainment | Movie Reviews | Life & Style