Money Today Archive February 2013 Issue
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Edition: February 2013

Cover Story

Chandralekha Mukerji

Making Every Rupee Count

How to balance your in-hand salary and savings

Companies do not hire on the basis of what they will credit to your bank account but your cost to company (CTC), that is, the money they will spend on you. But what constitutes CTC? We help you decode the mystery.
  • What you need to know about EPF accounts The Employee Provident Fund corpus could account for a substantial part of your retirement corpus. Let's look at the little-known facts about EPF that might impact your retirement savings.
  • Tips to make the most of your ESOPs Making employees a stakeholder in the company's growth is not easy. One way companies do this is Employee Stock Options or ESOPs, which give employees the option to buy a certain number of shares of the company at a pre-decided price. There are multiple factors that must be considered while signing up for ESOPs.
  • All you need to know about employment contracts There are three main types of contracts, though employment terms can vary according to designation and industry.
  • Tips to negotiate 'full and final' salary A common point of contention is the notice period. According to the law, whichever party does not live up to the commitments in the contract will have to compensate the other.
  • The restrictive clauses of a contract It is now standard practice for companies to include 'non-compete' provisions in contracts of employment. But, are such provisions enforceable?
Mutual Fund
Long-term Earner: Franklin India Bluechip
Franklin India Bluechip has outperformed its benchmark in the past five years.
Tax
Pritam P Hans
Turning Losses Into Gains
You can maximise income by properly accounting for losses while calculating your tax liability. Know the rules to ease your burden of losses.
Stocks
Kotak Mutual Fund CEO Sandesh Kirkire
An increase in asset prices suggests that a majority of market proponents are betting that economic growth will improve this year, writes Kotak Mutual Fund CEO Sandesh Kirkire.
  • Cost averaging helps ride out stock market swings Buying more shares when the market is falling is a good way to cover losses. Averaging works best when a company's fundamentals have not worsened but its stock is not doing well due to poor market sentiment or industry-specific conditions.
Query Corner
Query corner
Money Today experts answer your personal finance queries -
Editors Note
There are many components in a salary package that are perhaps complicated. Money Today's February 2013 cover package tries to help you understand all of these, writes Sarbajeet K Sen.
Talk Back
Money Today readers give their feedback on the magazine's personal finance coverage -
Smart Spending
Nidhi Singal
Smart, But Not Pricey
With phones at the higher end pushing specs and pricing, the lower price segments have started packing in some power as well as decent specs.
Perspective
Markets on a high: Should you cash in?
After two years, the Bombay Stock Exchange Sensex closed above the 20,000 level on 18 January 2013. Is it sign of a new rally that will take the stock market to new highs this year?

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