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| December 24, 2024 | | NPS Vs PPF Vs EPF: And The Winner Is...
Isn't the goal of retirement planning to create a balanced portfolio that aligns with your financial goals, rather than chasing returns blindly, asks Ramalingam Kalirajan
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| December 23, 2024 | | 'Algo Trading Is Not Risk-Free'
'Diligently review information on the strategy, risk profile, potential losses, and expected gains before investing.'
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| December 21, 2024 | | Top MF Performers Across Categories
Data from Value Research analysed on five-year, three-year and one-year performances of active equity schemes to pick the best performers in popular scheme categories.
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| December 20, 2024 | | Why Tailor Your Travel Insurance
Before heading abroad, ensure your travel insurance policy offers all essential coverage and has an adequate sum insured.
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| December 14, 2024 | | How Much Do Weddings Cost These Days?
Wedding planner WedMeGood estimates that the average wedding budget has surged to Rs 36.5 lakh this year, with destination weddings averaging Rs 51 lakh.
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| December 11, 2024 | | Bank Account Dormant? You Can Still Get Your Money
Ramalingam Kalirajan offers some easy steps to reactivate your accounts with banks like SBI, HDFC Bank, IDFC First Bank and PNB just so that you can start availing all the benefits linked to your account.
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| December 07, 2024 | | What Are Business Cycle Funds?
First-time investors, those who prefer stable sector allocations, and those averse to volatility should steer clear of them.
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| December 05, 2024 | | Know How To Plan Your Taxes
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
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| November 27, 2024 | | Why Choose Fixed-Fee RIAs
One reason the fee can't be lower than 3 per cent is that it is difficult for an RIA to do a good job and remain viable even at 3 per cent.
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| November 26, 2024 | | How To AVOID LOSSES When Markets Crash
However, the reduction in value is purely a notional loss if you remain invested. When you redeem in a falling market, the notional loss becomes a permanent loss, explains Anamika Pareek.
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| November 19, 2024 | | How To Turn 1 Cr Into 100 Cr
Let's explore three different ways to reach the Rs 100-crore mark, each taking advantage of the power of compounding, consistent investing, and some smart planning
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| November 18, 2024 | | Should You Consider Liquid Funds?
Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.
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| November 14, 2024 | | Why You Need A Child Insurance Plan
'They take care of the problem: How can I ensure my child's education and other goals are not compromised, even if I am not around?'
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| November 13, 2024 | | Should You Invest In Arbitrage Funds?
'Arbitrage funds make the most sense for those in the 30 per cent tax bracket, are viable for those in the 20 per cent bracket, but less so for those in the 10 per cent bracket.'
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| November 08, 2024 | | How To Invest In US Funds
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
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| November 07, 2024 | | What are Dynamic Bond Funds?
'A dynamic bond fund acts like a gilt fund in a rate cut scenario and like a conservative short-term bond fund when rates rise.'
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| October 30, 2024 | | Savings And Investment: Ask rediffGURUS!
Let's Make Savings As Exciting As Spending. This World Savings Day, rediffGURUS Nitin Narkhede, Milind Vadjikar and Ramalingam Kalirajan are all set to answer your queries on savings and investments.
World Savings Day: Your Career Is Your BIGGEST Saving!
The best way to achieve financial security isn't by cutting out every vada pav or limiting yourself to home-cooked meals; it's by making yourself indispensable at work, says Vatsal Ramaiya.
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| October 29, 2024 | | Right Time To Invest In Silver ETFs?
Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and benefit from the long-term trends of demand and macroeconomic shifts.
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| October 28, 2024 | | What Are MNC Funds?
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
What Are Passive Value Funds?
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
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| October 22, 2024 | | Should You Invest In SM Reits?
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
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| October 18, 2024 | | Is This Right Time To Buy A Home?
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
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| October 09, 2024 | | Is NPS Vatsalya Right Choice For Your Children?
From how to open an NPS Vatsalya account to knowing how this scheme compares to investing in mutual fund or in provident fund, Ramalingam Kalirajan offers a 360-degree view and the pros and cons of investing in a scheme that has the potential to secure your child's financial well-being.
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| October 04, 2024 | | Should You Invest In SME IPOs?
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
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| September 28, 2024 | | Retirement Funds: Customize Your Mix
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
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| September 21, 2024 | | Buying Health Cover Policy? Read This
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
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| September 19, 2024 | | Investment Lessons From Ganpati Bappa
By thinking big, working consistently, starting early, and approaching investing with a rational mindset, investors can increase their chances of achieving their financial goals.
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| September 18, 2024 | | How OCIs Are Taxed
'Any earnings, regardless of location, will be subject to Indian income tax.'
Investing in IPOs? Read this
IPOs inherently carry more risks than stocks that have been listed on the exchanges for some time.
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| September 16, 2024 | | What Is Policy Splitting?
'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'
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| September 13, 2024 | | How To Be Free From Home Loan Debt
Using mantras from the Bhagavad Gita, Vatsal Ramaiya explains how you can conquer your home loan debt and unlock a world of financial freedom and peace of mind.
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| September 06, 2024 | | NPS vs UPS: Which is Best for YOU?
Switching to the UPS could be a game-changer for your retirement planning, especially if you value guaranteed benefits and higher government contributions, observes Ramalingam Kalirajan.
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| September 05, 2024 | | Which is Better? FDs Or Debt MFs?
Feature for feature, bank FDs are indeed better than debt funds today, mainly thanks to Ms Sitharaman, notes Debashis Basu.
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| September 04, 2024 | | Should You Invest In UPS Or NPS?
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
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| August 30, 2024 | | How To Plan Your Retirement Portfolio
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
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| August 19, 2024 | | Review Your Mutual Fund Portfolios!
'If their allocation to certain segments have become high due to strong returns over the past three-four years, they should rebalance their portfolios and bring them in line with their long-term asset allocation.'
Want To Invest In Equal-Weight Indices?
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
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| August 12, 2024 | | What To Do If You Get I-T Notice
'File all the supporting documents in response to the allegation since there is a possibility of the proceedings getting dropped at that stage if the reply is satisfactory.'
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| August 07, 2024 | | Filing Revised I-T Return? Read This
A taxpayer who does not revise their return within the stipulated deadline would be stuck with the original return, including its errors.
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| August 05, 2024 | | Why You Lose Money In Day Trading
People in full-time jobs should especially avoid intraday trading as it results in loss of focus and affects performance.
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| July 29, 2024 | | How To Claim Health Insurance Money
Follow these steps to avoid last-minute surprises while claiming your mediclaim -- via cashless or reimbursement method, says P V Subramanyam
BEWARE Of Such Scams!
It is a tactic cybercriminals use to confine victims to their homes and scam them, explains Tamal Bandyopadhyay.
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| July 24, 2024 | | Indexation, A Plot Twist For Homebuyers
The finance minister clarified that indexation benefits offered until April 1, 2001 would be protected. This means older properties, including legacy assets, would benefit.
Budget & MFs: What You Must Know
While the minimum holding period for LTCG taxation has now been lowered, the tax outgo could be a bit higher under the new structure.
Old Tax Regime May Soon Be History
There are a number of steps taken that will leave more money in the hands of the taxpayers.<br>These include the reduction in tax rates under the new tax regime, increase in standard deduction, allowing tax collected at source to be adjusted against tax deducted at source from salaries, notes Harsh Roongta.
How You Can Save Rs 17,500 In New Tax Regime
'For non-salaried individuals with the same income level, the savings will be around Rs 10,000.'
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| July 22, 2024 | | Go For Both NPS and MFs
Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
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| July 20, 2024 | | Investing In Real Estate? Read This
In the case of double-income couples, not more than 40 per cent of the net income of one partner should be the EMI for the property.
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| July 19, 2024 | | When And How To Withdraw Your NPS Funds
Ramalingam Kalirajan dives into the specifics of NPS withdrawal rules to help you understand the conditions under which and when partial withdrawals are allowed.
What You Should Know About Multicap Funds
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
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| July 15, 2024 | | What Are Money Market Funds?
MMFs invest in fixed-income instruments maturing in less than one year, minimising interest-rate risk.
How to Build Your Retirement Corpus
Building your Retirement Nidhi is your Karmayoga, ensuring a Golden Yug where you can truly enjoy the fruits of your labour, says Vatsal Ramaiya as he explains how Rs 15,000 per month can help build a Rs 7 crore corpus.
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| July 11, 2024 | | Is Your Home Insured For The Monsoon?
'Ensure your home insurance includes STFI (storm, tempest, flooding, and inundation) cover for protection against monsoon rains.'
Investing in IPOs: What First-Time Investors Must Know
Are you a first-time IPO investor? Even if IPOs appear attractive with expectations of high returns, they come with risks and complexities, cautions Sheetal Jhaveri and shares her checklist to help you navigate through the world of IPOs
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| June 27, 2024 | | 'Where Shall An NRI Park Returns?'
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
How To Achieve Financial Peace: The Gita Way
The Bhagavad Gita reminds us that true peace comes not from the absence of problems, but from the ability to face them with a prepared mind and a steady resolve, says Vatsal Ramaiya, and shows how the Gita helps you to achieve financial peace.
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| June 26, 2024 | | Losses? Filing Nil ITR Is A Must
'Filing a nil ITR serves as a formal declaration to the tax authorities that your earnings fell below the taxable threshold in the given financial year, and you had no tax liability during that period.'
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| June 25, 2024 | | Can You Inherit Taxes?
Not filing an ITR or paying the tax dues on the deceased's behalf can lead to penal consequences.
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| June 24, 2024 | | Health Insurance: What You Must Know!
Purchase health insurance at an early age, before you incur a disease, as this makes access to health insurance difficult and raises the premium significantly.
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| June 21, 2024 | | Revive Policy or Accept Payout
The National Commission noted that if the policyholder wanted reinstatement, he should have made a written request and should have also cleared the premium till that date, but no such request had been made.
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| June 18, 2024 | | How To Avoid Motor Insurance Claim Rejection
Do not get repair work started without informing the insurer as the latter like to carry out end-to-end verification of damages and documents before approving a claim.
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| June 14, 2024 | | Is Bank Demanding Payment Of Dues?
'Save the entire chain of e-mail exchanges so that you have documented evidence to show you informed the bank about the issue.'
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| June 13, 2024 | | Claims Can't Be Rejected For Missing Docs
In its master circular on general insurance products, which takes immediate effect, Irdai specified, 'The customer may be required to submit only those documents directly related to claim settlement.'
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| June 12, 2024 | | How Senior Citizens Can File ITRs
Many seniors mistakenly believe they need not file returns if tax is deducted at source (TDS) on income received. This is incorrect.
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| June 07, 2024 | | Think Before You Make A Complaint!
National Commission concluded that false and baseless allegations had been made in the complaint to claim a highly exaggerated and atrocious amount of compensation.
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| May 31, 2024 | | What Is Form 26AS?
Discrepancies between Form 26AS and Form 16 can lead to an inquiry by the I-T department.
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| May 22, 2024 | | How To Budget For Peaceful Retirement
Continuing our series on how to achieve Financial Independence and Retire Rarly (FIRE), Vatsal Ramaiya emphasises the importance of planning for retirement.
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| May 21, 2024 | | How To Verify Fake Tax Notices
Income Tax department's online tool empowers you to verify any notice or order you receive. This free service is available to everyone, regardless of whether you're registered on the e-filing portal.
'How Many MFs Should I Invest In?'
Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your queries.
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| May 20, 2024 | | What Is A Retirement Fund?
A retirement fund can be helpful for all age groups, but ideally one should start investing early to beat market swings and gain from compounding.
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| May 14, 2024 | | How To Avoid TDS?
'Tax is not required to be deducted from specified payments if a recipient files a self-declaration with the deductor for no deduction of tax.'
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| May 13, 2024 | | Safeguard Streedhan. Read To Know More
Streedhan refers to gifts, money or property that a woman receives before her marriage, at the time of her marriage, during childbirth or widowhood, primarily from her parents, relatives or in-laws.
Disclose PEDs For Chronic Care Cover
A crucial point anyone purchasing health insurance must heed is the need to declare PEDs.
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| May 07, 2024 | | Your MediClaim Needs A Check Up!
Health insurance coverage should be hiked periodically to keep pace with medical inflation, or increase in healthcare costs.
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| May 03, 2024 | | Beware Of This SCAM!
'Avoid rushing into any financial transactions or disclosing personal information.'
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| April 18, 2024 | | Want To Know Where To Invest? Read This
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
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| April 15, 2024 | | Should You Invest In NPS?
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
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| April 08, 2024 | | Want To Gift Investment?
If the gift is received from a relative, there is no tax implication. But if the gift is received from a non-relative and exceeds Rs 50,000 in value during a financial year, the entire value of the gift is taxable.
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| April 05, 2024 | | For What Duration Must I Invest?
Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.
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| April 03, 2024 | | Now Get Customised Insurance
From April 1, when we buy insurance for a car or take out a health cover, insurance companies can offer a product totally customised for us.
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| April 02, 2024 | | Should You Invest In Liquid Rate ETF?
'Liquid ETFs help in cash management by enabling a smooth transition between equity and cash within the same settlement cycle, as they trade in the same segment as equity.'
'I'm in a Rs 70L credit card debt trap'
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
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| March 27, 2024 | | Planning To Go For Loan Against Gold?
Customers who possess gold jewellery but are either being denied a personal loan or are being asked for a high interest rate due to their poor credit profile may consider a gold loan.
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| March 26, 2024 | | All You Want To Know About LTA
LTA can be claimed only for domestic travel and is available for two journeys within a block of four years.
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| March 20, 2024 | | Direct Vs Regular MF: Which Should You Choose?
As a prudent investor who wants to create a portfolio that will help you achieve your investment objective in a time-bound manner, Suren Kochhar explains what you should know.
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| March 13, 2024 | | 6 REALLY SIMPLE Steps To Create Wealth
Here are some golden nuggets when it comes to creating wealth. Read them and if you find yourself saying, 'This everybody knows', cross your heart and ask yourself how many times you have forgotten these simple rules, says P V Subramanyam.
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| March 05, 2024 | | Why KYC Is Important
'Clients deemed higher-risk are required to update their KYC more frequently.'
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| March 04, 2024 | | Time To Book Profits In PSU Funds?
While near-term performance is difficult to predict after a huge run-up, fund managers believe the PSU theme's prospects remain sound over the medium to long term.
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| February 26, 2024 | | Want To Invest In FDs? Read This
'The barbell strategy says that the best way to strike a balance between risk and reward is to invest at the extremes of the risk spectrum.'
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| February 23, 2024 | | Will Paytm Curbs Affect Users?
Get a new QR code from an alternative provider. PhonePe, Google Pay, Pine Labs, etc are some of the other service providers.
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| February 22, 2024 | | You Can Reduce Tax By...
What many don't realise is that including their spouse and children in their tax planning can enable them to reduce their tax burden legally.
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| February 19, 2024 | | How To Deal With Rising Rents
While tenants can't escape the impact of rising rentals entirely, they can adopt a few strategies to reduce the impact.
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| February 13, 2024 | | Self-Employed? How To Get Term Insurance?
A prudent guideline for self-employed individuals is to target at least 10 to 15 times their actual annual income when determining life insurance coverage.
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| February 12, 2024 | | Check The Management Before Investing
A lot depends upon the crucial decision-making skills of the management. If you have any doubts about the management then you always have the choice of selling your shares or not buying stocks of those companies at all.
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| February 02, 2024 | | 4 BIG Housing MYTHS Busted
When you are under social, peer, parental, sibling, marital pressure to buy a house direct them to this article, says P V Subramanyam
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| January 29, 2024 | | How To Claim HRA
A taxpayer paying rent to his/her spouse is entitled to claim HRA benefit under relevant sections and within prescribed limits.
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| January 19, 2024 | | Should You Invest In SSY?
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
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| January 17, 2024 | | Missed ITR Deadline? Read This!
'If taxpayers have not filed a belated ITR, they will be allowed to file an updated ITR from April 1, 2024.'
SIP Top-Ups Can Create More Wealth
SIP top-ups are especially beneficial for young investors, who may start with a small SIP installment and grow it over their working careers, says Dwaipayan Bose.
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| January 15, 2024 | | Large Cap Funds A Good Buy In 2024
'From a risk-return perspective, large-cap funds may generate lower-than-historical average returns in 2024, whereas mid-, and small-cap funds hardly have any upside left.'
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| January 08, 2024 | | What's A Death File?
P V Subramanyam explains what you must know about this most essential financial tool.
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| January 04, 2024 | | Market Rally May Favour Active Funds In 2024
Active largecap funds, which have the toughest job in terms of outperforming the benchmark, did better in 2023 as their bets in the mid and smallcap stocks paid off.
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| December 27, 2023 | | Self-Employed? Planning Retirement?
The self-employed should invest in the National Pension System, a government-backed, low-cost retirement avenue where they can choose the mix of debt and equity that is right for them.
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| December 15, 2023 | | Do You Have Cyber Insurance?
Cyber insurance policies cover ransomware attacks and the ensuing damages, including ransom payments, data restoration costs, forensic and other first-party costs, and loss of profit due to business interruption.
Financial Planning: 3 Mistakes To Avoid
Decisions should not be based on feelings, such as optimism or pessimism about the stock market or specific investment products, suggests Avinash Luthria.
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| December 04, 2023 | | Loans May Become Costlier
'Not only will this improve your eligibility, but the lender may even offer a lower interest rate.'
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| November 27, 2023 | | Buying Financial Products? Beware!
Instead, approach a Sebi-registered investment advisor whose livelihood depends on the fee paid by his customers and not on product commissions.
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| November 24, 2023 | | 9 Excuses People Give For Not Investing
The amazing excuses given by people who don't invest their money abound, but you would be wise to ignore them. Excuses won't help you get ahead; they can only hold you back from the retirement you deserve, says financial planning advisor P V Subramanyam
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| November 20, 2023 | | 6 Reasons To Invest In ELSS
Anamika Pareek explains the advantages of investing in tax-saving options like the equity-linked savings schemes.
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| November 13, 2023 | | What's Better? No-Cost EMI Or BNPL?
Ultimately, the choice between no-cost EMI and BNPL depends on an individual's financial situation, preferences, and ability to manage repayments responsibly.
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| November 10, 2023 | | NPS: Want To Know About SLW?
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
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| November 01, 2023 | | Looking For A Broker? Read This!
'The broker must have a track record of navigating several market cycles in an ethical and transparent manner.'
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| October 30, 2023 | | Stocks Or MFs? Where Can YOU Invest?
An interesting imaginary conversation between Kirtan A Shah and an investor about how investing in mutual funds is better than investing directly in stocks.
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| October 25, 2023 | | 'How to compare MFs?'
rediffGURU Ulhas Joshi recommends five factors you need to look at to evaluate the performance of two schemes.
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| October 23, 2023 | | Getting Married? Plan Finances First!
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
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| October 20, 2023 | | Want To Buy A New Home? Read This
Look at the sanctioned plan to know the exact carpet area you will get and pay a law firm to conduct a thorough title check.
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| October 19, 2023 | | Weaning Investors Off F&O Is Tough
SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
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| October 13, 2023 | | Let Your Child Fund Their Education!
Youngsters must remember education is their BIGGEST investment EVER: Their lifelong income-earning provider! asserts CA P V Subramanyam.
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| October 10, 2023 | | Tips To Buy A House Through A Broker
Try to assess whether the broker has good knowledge of the prices prevailing in the area you are interested in, and is able to provide the pros and cons of various projects.
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| October 06, 2023 | | Know What's A Gift Deed?
Their downside is that the donor relinquishes all control over the transferred property, and certain tax implications may also arise.
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| September 29, 2023 | | How Should The Young Invest Their Money?
I am increasingly seeing young people starting 25-year-SIPs; these kids will definitely benefit from the long term effect of compounding, notes P V Subramanyam.
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| September 18, 2023 | | Falling Rupee: How To Plan Ahead
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
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| September 12, 2023 | | How To Deal With Rise In Rents
'You may opt for a longer minimum guaranteed tenure of 12-18 months. This will ensure that in a rising rental scenario, the landlord doesn't serve you a notice and ask you to vacate the property.'
Errors Or Late To File ITR? Read This!
If you have not yet filed an ITR for the 2022-2023 financial year, you can file a belated return.
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| September 06, 2023 | | Banks Or NBFCs? Where to Go For Student Loans?
While both institutions provide financial assistance, there are significant differences between them in terms of offerings, eligibility criteria, interest rates, and other crucial factors.
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| September 04, 2023 | | Investing In ETFs? 7 Things You Must Know
Dwaipayan Bose examines the seven important factors that investors about exchange traded funds must know before they start investing/trading in them.
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| August 22, 2023 | | How To Manage Rising Home Loan EMIs
While managing rising EMIs can be challenging, the right strategy can help individuals can ease their financial burden, says rediffGURU and financial planning expert, Colonel Sanjeev Govila (retd).
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| August 16, 2023 | | Making Debt MFs Safer For Investors
Investors are the ultimate losers in this. CDMDF aims to remedy this by stepping in and purchasing securities at their fair value in such times.
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| August 10, 2023 | | What You Must Know About Revised ITR
Through a revised return, you can make changes to your ITR and even end up paying lower tax.
Education vs Personal Loan: What You Must Know
Personal loans offer more flexibility in usage but may come with higher interest rates and shorter repayment terms. It is important for individuals to evaluate their needs, financial situation, and future goals before deciding between the two loan options.
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| August 03, 2023 | | What You Should Know About LRS
Keep track of your foreign remittances to avoid giving incorrect declarations as these could be held against you.
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| July 24, 2023 | | Know About Balanced Advantage Funds?
Balanced advantage funds have the potential to earn superior risk-adjusted returns for the investor and offer a smoother investment journey.
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| July 07, 2023 | | Student Loans: 5 Must-Knows
Prashant A Bhonsle lists 5 major points you need to keep in mind before applying for a student loan.
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| July 04, 2023 | | Know The Risks Of P2P Lending
Instead of being guided only by returns, investors should also factor in the risks of lending on these platforms.
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| June 29, 2023 | | Tick Insurance Option On IRCTC Portal
Only a small percentage of passengers who traveled on the trains involved in the June 2, 2023 accident in Odisha had availed of travel accident insurance while booking their tickets online on the IRCTC portal.
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| June 20, 2023 | | Women Must Have Cover 10 Times Their Income
'If something unfortunate happens to an earning member, the family loses the crucial income which would have gone towards paying off debts, meeting the cost of children's higher education, or towards the upkeep of elderly parents.'
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| June 15, 2023 | | Trading Traps: Small Investors Beware!
Influenced by ads like 'Make money sitting at home', 'Make Rs 10 lakh with just Rs 1,000', to YouTube influencers promoting 'pump-and-dump' stocks, a vast majority of small investors who mushroomed during the COVID-19 period are losing money in reckless overtrading in the market, cautions Dr V K Vijaykumar, Chief Investment Strategist at Geojit Financial Services.
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| June 12, 2023 | | Want To Buy A Home? Read This Please!
Prospective buyers must make a well-considered decision regarding whether this is the right time to buy a house, particularly with home loan rates at near-peak levels, and the risk of job losses looming in many sectors.
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| June 09, 2023 | | Why Was Manjeet Kaur's Claim Rejected?
The National Commission concluded that the claim had been rightly rejected on grounds of misrepresentation in the proposal form and breach of duty to maintain utmost good faith while applying for insurance coverage.
Want To Invest Money For Your Parents?
Senior citizens should avoid putting their entire retirement corpus in SCSS.
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| June 05, 2023 | | What Are Dividend Yield Funds?
High dividend yield stocks usually perform well in a rising interest rate environment when investors value cash flows more.
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| June 01, 2023 | | 8 Benefits Of Investing In SIPs
Embracing the habit of SIPs can pave the way for a financially secure and prosperous future, points out Misbah Baxamusa.
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| May 24, 2023 | | How To Choose The Right Debt MF
Why it is important for investors to select the right product according to their specific investment needs, risk appetite and investment tenure.
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| May 12, 2023 | | 'Don't Stop Your SIPs!'
'Starting an SIP now and continuing with it is likely to translate into high returns over the long term.'
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| May 11, 2023 | | Buying A Joint Property? Know Tax Rules
'Individuals can consider dividing ownership of properties between related persons to ensure that the sale transactions are below the Rs 50 lakh limit and therefore not subject to TDS.'
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| May 09, 2023 | | Do You Know About Debt Fund Growth?
A growth scheme not only leads to lower tax payments than the dividend option. but also allows any income that is not withdrawn to compound, explains Harsh Roongta.
| | | |
| May 04, 2023 | | ASK SAMRAAT: Buy, hold or sell?
Invest in quality companies that make profits, advises stock market expert and rediffGURU Samraat Jadhav.
Unclaimed Bank Deposits: What To Know
Not just unclaimed bank deposits, there are thousands of crores of rupees locked in unclaimed shares and insurance policies lying with many institutions across India.
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| May 02, 2023 | | Differing Tenures FDs: Time To Lock In
Instead of only focusing on the tenure for which the best interest rate is available, investors should also focus on their own investment horizon.
| | | |
| April 21, 2023 | | Should YOU Invest In Retirement Funds?
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
| | | |
| April 05, 2023 | | 'Avoid Pausing SIPs'
'Continue with your SIPs to get the benefit of lower average prices in this challenging market environment.'
| | | |
| March 31, 2023 | | Should you invest in long-duration funds?
'The long maturity of these funds makes them well-suited for long-term financial goals such as saving for retirement or children's education or marriage.'
| | | |
| March 24, 2023 | | Read All Contracts Carefully!
You can't react emotionally and say that such an expensive set should last for at least five-six years.
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| March 23, 2023 | | Unclaimed Shares, Dividends? Read This!
I stumbled upon shares worth around Rs 300,000 in my late father's name, which are currently with the Investor Education & Protection Fund, points out Harsh Roongta.
| | | |
| March 21, 2023 | | What You Must Know About Advance Tax
Salaried persons whose liability is fully deducted as tax deducted at source by their employer need not worry about advance tax payments, unless they have other sources of taxable income.
| | | |
| March 17, 2023 | | Women, Take Charge Of Your Finances!
There are millions of Indian women who avoid the responsibility of managing their finances due to a variety of reasons, including cultural and social conditioning.
| | | |
| March 15, 2023 | | Stock Market Losses? Tips To Reduce Tax
Ravi Singhal explains how a taxpayer can go about reducing her/his tax liability if they suffer losses while investing or trading in the stock market.
| | | |
| February 22, 2023 | | EMI Pinch: Explore Home Loan Transfer
While most borrowers calculate the gain they stand to make from switching to a lower interest rate, they often fail to take into account all the costs.
| | | |
| February 15, 2023 | | How Budget Will Benefit Homebuyers
Capital gains exemption limit and a steep reduction in the highest surcharge will empower the masses with enhanced liquidity flow that can be invested in real estate, points out Dhaval Ajmera.
Why Cancer Insurance Is A Must
An indemnity-based cancer plan may cover them.
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| February 07, 2023 | | Invest in ELSS: Save Tax, Create Wealth
The three year lock-in period enables ELSS fund managers to invest in high conviction stocks for a long period of time because of relatively less redemption pressure, says Dwaipayan Bose
| | | |
| February 06, 2023 | | Buyer Liable To Pay EMI To Builder
A National Commission order held that the buyer was the borrower and so the bank was entitled to demand the EMI payments from him.
| | | |
| January 31, 2023 | | Want To Calculate Your Credit Score?
Sujata Ahlawat, Senior Vice President and Head of Direct-to-Consumer Interactive, TransUnion CIBIL, offers a quick glimpse into what a CIBIL Score is, the factors that impact it, and tips for maintaining a healthy score.
| | | |
| January 19, 2023 | | Hold On To Equity Funds in 2023
Many investors want to exit equities now and re-enter when they begin to rise. Such timing is difficult to pull off.
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| January 03, 2023 | | Start Financial Planning YOUNG!
A disciplined, systematic investment habit started at a young age is normally sufficient to meet modest goals without having to sacrifice a normal comfortable lifestyle, suggests Harsh Roongta.
| | | |
| September 17, 2022 | | A Regular SIP Doesn't Pinch
The SIP route suits the salaried class, by matching their income flows with investment frequency.
| | | |
| July 20, 2022 | | Your Car Queries Answered!
Please send your queries to getahead@rediff.co.in with the subject line 'Cars' and experts from CarJasoos.com will answer your queries related to buying new or used cars.
| | | |
| June 22, 2022 | | Why You Need To Invest
Since one day you will either be unwilling or unable to work, investing allows you to have a pool of resources you can draw upon in old age.
Need Cash? Opt For Loan Against Securities
If you pledge market-linked instruments and their value plummets, you will have to provide additional collateral, points out Sanjay Kumar Singh.
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| June 20, 2022 | | How To Buy A Home And Repay EMI Quickly
Mail your queries to getahead@rediff.co.in with the subject line 'Home Loan Query' and we will have your queries answered by Home First Finance.
| | | |
| May 26, 2022 | | Why You Should Invest In Real Estate
By starting to invest during the early stages of your career, you get a lot of time to research, learn, and achieve, advises Ayan Nagpal.
| | | |
| May 24, 2022 | | How To MANAGE INCREASING EMIs
Gaurav Mohta lists three ways to ensure a smooth financial situation for your family despite rising interest rates.
| | | |
| May 23, 2022 | | Mediclaim: What You Must Know
Sanjib Jha, CEO, Coverfox Insurance Broking, lists 5 important things to look out for when buying a health insurance policy.
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| April 28, 2022 | | Why Personal Accident Cover Is A Must!
Personal accident cover should be purchased by everyone, irrespective of age, occupation or health condition, as one does not know when an accident could occur, causing hardship to the family.
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| April 19, 2022 | | Visit A Doc Frequently? Opt For OPD Cover
Most traditional health insurance plans didn't cover the cost of such treatments earlier, but several recently launched policies do offer such coverage -- some as a rider, and a few as standalone covers, points out Sarbajeet K Sen.
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| April 14, 2022 | | PPF: Why Timing Is Important
While investing in PPF, investors must remember to put in the money at the right time to maximise the return they earn from it.
| | | |
| March 10, 2022 | | Want To Invest In ESG Funds?
'Funds based on this theme offer socially conscious investors an option to invest in a portfolio that is aligned to their beliefs.'
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| February 25, 2022 | | Planning to Invest in Bonds?
If you are buying a bond to cater to your regular income needs, check the interest distribution schedule.
| | | |
| January 25, 2022 | | Know How Stock Market Gains Are Taxed
If the shares are purchased for investment, then it would be treated as a capital asset and taxed as capital gains.<br />But if the shares are bought and sold in a short duration repeatedly, then it would be taxed as business income, explains Amit Gupta.
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| January 19, 2022 | | Report All Income In Tax Returns
Failure to do so leads to incorrect filing and under-reporting of income, with adverse consequences, advises Bindisha Sarang.
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| January 11, 2022 | | How To Claim Tax On A Health Policy
If you have a health insurance policy, you can earn benefits on premiums paid on health check-ups, says Sajja Praveen Chowdary, head-Term Life Insurance, Policybazaar.com.
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| January 03, 2022 | | Don't Be OVER-OBSESSED With Stocks
Exposure to debt funds and gold is essential even if current returns from these asset classes are low, suggests Sanjay Kumar Singh.
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| December 20, 2021 | | Getting Married? Please Read This
With the wedding season already in full swing, a few things to keep in minutes financially when tying the knot, advises Bindisha Sarang.
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| December 16, 2021 | | Be Financially Prepared For Third Wave
While the likely intensity of the third wave is still a matter of debate, wisdom lies in being financially prepared for it, advises Bindisha Sarang.
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| December 06, 2021 | | Here's How To Get Out Of Debt
If your total EMI payments exceed 35-40 per cent of your monthly income, use these strategies to avoid a Squid Game like debt trap, suggests Bindisha Sarang.
Time To Overhaul Nomination Provisions
While reasonable safeguards should be built in, there can't be restrictions on the individual's right to leave her/his money to whoever s/he wants, notes Harsh Roongta.
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| December 03, 2021 | | Confused About Health Insurance?
Do you have health insurance/mediclaim queries? Rakesh Kaul, chief distribution officer, Edelweiss General Insurance, will answer your queries.
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| November 19, 2021 | | Insurance: Understand Policy Coverage
The National Commission ruled that a person must opt for a policy and submit the proposal form after acquainting himself with the terms and scope of coverage to determine where it would be suitable and adequate.
| | | |
| November 09, 2021 | | Don't get SWAYED by Past Returns
While mid-cap and small-cap funds have given category average returns of 73.3 per cent and 89.8 per cent respectively over the past year, large-cap funds' returns have been lower at 53.9 per cent, points out Sarbajeet K Sen.
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| October 14, 2021 | | How to Prevent Auto-Debit Failure
If bank and service provider are not compliant, pay manually, or give standing instruction linked to bank a/c, suggests Bindisha Sarang.
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| October 12, 2021 | | Critical Illness plan is a MUST!
Also, make sure the policy covers the cost of implants (pacemaker, stent, etc), and pre and post-hospitalisation expenses.
| | | |
| September 27, 2021 | | Why Young Investors Love Smallcases
Affordable pricing, a variety of themes, and the ease of transacting are among key reasons that have made smallcases a hit among young investors.
| | | |
| September 22, 2021 | | 'Should I reveal that I am a smoker?'
Roopam Asthana, CEO and whole-time director, Liberty General Insurance Ltd, answers your queries about HEALTH insurance and AUTO insurance.
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| September 20, 2021 | | Stock Market Boom: Is Your Money SAFE?
Ravi Singhal, vice chairman, GCL Securities Private Limited, explains why there is no need to worry as stock market indices gain higher levels.
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| September 13, 2021 | | Want Cash at Retirement?
Do you have parents who have turned 60? You may want to forward Sarbajeet K Sen's suggestions to them.
| | | |
| August 25, 2021 | | ASK ANIL: How do I SAVE TAX?
'If I close my housing loan, are there any investment avenues (the investment should provide liquidity) to save tax?'
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| August 13, 2021 | | New vs Old Tax Regime? Want to Choose?
Most taxpayers will benefit from being in the old tax regime, assuming they optimise their salary for tax benefits and claim the deductions available to them.
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| August 10, 2021 | | Do You Invest on Basis of Past Return?
Investing merely on the basis of past return can land you in trouble even in debt funds, a supposedly safe asset class, suggests Sarbajeet K Sen.
| | | |
| August 06, 2021 | | Avoid keeping large amounts with brokers
When you receive the weekly report on cash holdings, check to ensure there is no discrepancy between the amount you have kept with the broker and what the latter has reported, advises Sanjay Kumar Singh.
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| July 28, 2021 | | Third Wave: Be Financially Prepared!
Postpone the purchase of big-ticket consumer durable items, recreational spending on holidays, and other such expenses unless your financial position is very secure, advises Sarbajeet K Sen.
| | | |
| July 26, 2021 | | Is it Time to Invest in Gold?
'Avoid going overweight on gold. But maintain a 10 per cent allocation via sovereign gold bonds,' Bajaj Capital MD Sanjiv Bajaj tells Sarbajeet K Sen.
| | | |
| July 19, 2021 | | Your Car Queries Answered
Auto experts from CarJasoos answer all your questions related to buying, selling or maintenance of new cars.
Planning to invest in house to rent out?
To overcome your fear of the property being taken over, draw an ironclad agreement with a good lawyer's help, recommends Sanjay Kumar Singh.
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| July 08, 2021 | | Buying a Car? Please read this!
When it comes to a significant investment like a four-wheeler, many people end up paying high interest rates on car loans which can lead to high monthly installments.
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| July 06, 2021 | | Your Health Insurance Queries Answered
Roopam Asthana, CEO and whole-time director, Liberty General Insurance Ltd, will answer your queries on HEALTH insurance and AUTO insurance.
| | | |
| June 24, 2021 | | Planning to Invest in ESG Funds?
Only investors who understand the significance of ESG investing should enter these funds for the long term, advises Sarbajeet K Sen.
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| June 14, 2021 | | Want to invest in a Debt Fund?
Compared to equity funds, debt funds are lower risk profile and are usually suitable for investors for very short term.
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| June 04, 2021 | | Want to invest in Healthcare ETFs?
If a retail investor wants exposure to a healthcare ETF, it should be a part of his satellite portfolio, suggests Sanjay Kumar Singh.
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| May 20, 2021 | | 3 Simple Investing Tips for You
You need to learn the art of balancing savings and investments, advises Harshad Chetanwala, co-founder, MyWealthGrowth.
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| March 23, 2021 | | Always retrieve unclaimed dividend!
They should also opt for the auto-pay facility so that the dividend proceeds get credited into their account directly, advises Bindisha Sarang.
| | | |
| March 12, 2021 | | Want your insurance queries answered?
Roopam Asthana, CEO and the whole-time director, Liberty General Insurance Ltd, will answer your queries on HEALTH and AUTO insurance.
| | | |
| March 08, 2021 | | Is small-ticket insurance cover worth it?
in the longer run, there is no substitute for a standard term, accident, and a comprehensive health cover, with adequate sum insured that will give you round-the-clock and year-after-year coverage.
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| March 03, 2021 | | 7 tips to SAVE MORE TAX in 2021
Plan these investments well rather than just doing random investments at the beginning of the year or rushing in at the end, advises Harshad Chetanwala, co-founder, MyWealthGrowth.
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| February 23, 2021 | | How to AVOID ONLINE SCAMS
Niranjan Upadhye, general manager, fraud risk management, Worldline India, tells you how to quickly spot a scam and save yourself from grief.
| | | |
| February 15, 2021 | | Want to buy ULIPs? Read this
Go with an insurer with a good investment team and solid track record of long-term returns, suggests Sanjay Kumar Singh.
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| January 29, 2021 | | Want to invest in Balanced Advantage Funds?
Investors who cannot manage an asset-allocated portfolio or rebalance regularly, or do not have an advisor, may opt for these funds, but only after a detailed study of their strategy, suggests Sanjay Kumar Singh.
| | | |
| January 15, 2021 | | 10 smart tips to invest your money
Resist the temptation to react to every move of the market and remain disciplined with your investments till you reach your financial goal.
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| December 31, 2020 | | 10 Financial Resolutions for 2021
As you ring in the New Year, here's a list of the 10 most important financial resolutions to get your money train back on track.
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| December 30, 2020 | | MFs: When is it okay to pull money out?
Many investors, who have made money in the rising market of the recent past, are pulling out of equity funds, believing that they can earn more by investing directly.
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| December 29, 2020 | | 5 SMART tips to make more money
The advantages of starting early and investing right cannot be overstated, says financial planner Harshad Chetanwala.
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| November 26, 2020 | | Planning to buy a house? Do it soon
If you are scouting for a property, finalise the deal within the next seven months and benefit from this measure, suggests Bindisha Sarang.
| | | |
| November 20, 2020 | | Buying cancer insurance? Read this
Bear in mind that the amount you get paid depends on the stage at which cancer is detected, reveals Sanjay Kumar Singh.
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| November 09, 2020 | | How to tackle job loss and ruined finances
Whatever you do, continue to pay your loan EMIs and insurance premiums for term and health policies (not investment-based policies) on time. Then try to buy yourself some breathing space, says Harsh Roongta.
| | | |
| July 03, 2020 | | New loans may become hard to get
This may result in lenders following risk-based pricing more diligently, notes Naveen Kukreja, CEO, Paisabazaar.com
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| June 18, 2020 | | How To PROTECT Yourself Against Online Scams
'The major worry for everyone using Internet-linked devices today is whether the latest download on his smartphone or laptop is a bait from a digital hacker who is out to secure access to his hard-earned money,' notes T A Ramalingam, chief technical officer, Bajaj Allianz General Insurance.
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| June 10, 2020 | | Post lockdown: SAVE! SAVE! SAVE!
'If somebody is earning Rs 25,000 then s/he should have at least Rs 75,000 in her/his bank account, so that if anything like this (lockdowns) happens in the future, they are not struggling.'
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| June 04, 2020 | | 15 tips to cut expenses
'Switch to digital mode. Read e-newspapers, e-books. Pay bills online; it is cheaper,' suggests Vijaylaxmi Unney.
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| April 28, 2020 | | Why you should invest in multi-cap funds now
Multi-cap funds are best suited to exploit the present market scenario as they are free to invest across all market capitalisations and sectors, says Naveen Kukreja, CEO and co-founder, Paisabazaar.com.
| | | |
| March 17, 2020 | | Mutual funds to buy now!
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
| | | |
| March 09, 2020 | | Explained: What is 'whole life' term insurance?
As opposed to term insurance that keeps you covered for a specific time period, opting for a whole life term plan means that you are covered for your entire life, says Santosh Agarwal.
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| March 02, 2020 | | Investing for women: Choosing between risk and safety
Being more financially savvy helps women choose the right balance between consumption spending vs investing for future and can hold them in good stead as life hands out various twists and turns along the way, says Piyush Baranwal
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| February 21, 2020 | | 8 things you must know about motor insurance
Neeraj Prakash, MD, Shriram General Insurance, explains how new measures proposed in the Motor Vehicles Act can smoothen the lives of the insured and insurer and how the government plans to make more vehicles owners buy insurance.
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| February 04, 2020 | | Budget: How new tax slabs will benefit you
In an online chat with Rediff.com readers, G Srikanth, partner, GSV Associates, chartered accountants, Chennai and member of the Institute of Cost and Management Accountants, answered queries about the new income tax proposals mooted in the Union Budget 2020-2021.
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| January 30, 2020 | | Are you a moderate risk-taker? MFs you must buy
If you want his advice on your mutual fund investments, please mail your questions to getahead@rediff.co.in with the subject line, 'Mutual Fund Query', along with your name, and Omkeshwar will offer his unbiased views.
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| January 22, 2020 | | How to discuss money with parents
If the initial hand-holding will be done right, they will understand and respect your decision of helping them, says Naval Goel.
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| January 17, 2020 | | MFs you must exit, hold or buy
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your mutual funds-related queries.
| | | |
| December 27, 2019 | | Do not lower your EPF contribution
If someone does reduce his contribution, he should scale it back to the 12% level as soon as he can, suggests Sanjay Kumar Singh.
| | | |
| December 24, 2019 | | Your home loan queries answered!
Chartered accountant and Sebi registered investment advisor, Harsh Vardhan Roongta, answers your home loan queries
| | | |
| December 16, 2019 | | Planning to avail home-loan overdraft? Read this
'Opt for this facility only after doing a cost-benefit analysis: Will the savings in interest cost by parking your surpluses in the home loan overdraft account outweigh the higher interest cost of this loan?'
| | | |
| December 09, 2019 | | Paying high interest on home loans? Read this
By evaluating their loan rate against the best available every year, borrowers can achieve considerable savings over the entire tenor, suggests Sanjay Kumar Singh.
| | | |
| December 03, 2019 | | Stocks you must sell now!
Ajit Mishra, Vice President, Research, Religare Broking, answers readers' queries on a weekly basis.
| | | |
| November 18, 2019 | | 'For long term goals, you have to INVEST, not save'
In this interview with Rediff.com's Shobha Warrier, Ashok Kumar E R, the CEO and co-founder of Scripbox shares some more interesting observations about the way Indian women make financial decisions and offers advice on how, with the apt guidance and information, they could do a lot better.
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| November 06, 2019 | | Large cap and mid cap MFs you must buy!
If you want his advice on your mutual fund investments, please mail your questions to getahead@rediff.co.in with the subject line, 'Mutual Fund Query', along with your name, and Omkeshwar will offer his unbiased views.
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| October 18, 2019 | | Buy, hold or sell: Your mutual fund queries answered!
If you want his advice on your mutual fund investments, please mail your questions to getahead@rediff.co.in with the subject line, 'Mutual Fund Query', along with your name, and Omkeshwar will offer his unbiased views.
| | | |
| September 26, 2019 | | Want to be SMART investor? Follow these 4 tips
Irrational behaviour, born out of incomplete understanding, biases, overconfidence, fear or greed, has led investors to make less than half of what they could have in the capital markets, says Erik Hon.
| | | |
| September 17, 2019 | | Beware! Is your password SAFE?
How many online passwords do you have? How do you keep track of those passwords? Can one keep the same password for less important sites?
Ladies, your personal finance queries answered!
Dear readers, we had asked you to send in your personal finance queries to be answered by Basis founder and CEO Hena Mehta. Here's the first batch of responses.
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| September 16, 2019 | | Are you a victim of lifestyle inflation? Here's help
'Just like humans binge on food when they are depressed, they also tend to shop for instant gratification. which is just temporary. Please do not fall into this trap,' cautions Sheetal Jhaveri.
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| September 11, 2019 | | Stock advice: Readers' queries answered!
Ajit Mishra, Vice President, Research, Religare Broking, answers readers' stock market queries. Ajit will offer his unbiased views on a weekly basis
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| August 28, 2019 | | How to invest SMART in your 40s
Consider factors like time, risk profile, return requirements, expenses, liquidity needs, etc. Make sure to have insurance and opt for a term plan, says Amar Pandit.
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| August 22, 2019 | | Stock advice: Buy, sell, hold or avoid?
Ajit Mishra, Vice President, Research, Religare Broking, answers readers' stock market queries. Ajit will offer his unbiased views on a weekly basis
| | | |
| August 14, 2019 | | Stock advice: Readers' queries answered!
Ajit Mishra, Vice President, Research, Religare Broking, answers readers' stock market queries. Ajit will offer his unbiased views on a weekly basis
| | | |
| August 10, 2019 | | The 3-point checklist to choose a healthy portfolio
A well-diversified portfolio would, at any point in time, have a fair balance of investments that are doing exceedingly well, some that are steady and some that are sluggish, says Erik Hon.
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| August 02, 2019 | | Stock market advice: Buy, sell or hold
Ajit Mishra, Vice President, Research, Religare Broking, answers readers' stock market queries. Ajit will offer his unbiased views on a weekly basis
| | | |
| June 24, 2019 | | Have money to invest? Check out Robo advisory
A robo advisor may seem like the perfect solution for those with only a small investment capital who are just starting their investment journey, says Mrin Agarwal, founder, Finsafe India.
| | | |
| June 17, 2019 | | Want to invest in ETFs? Please read this
Investing in ETFs is similar to buying and selling shares on exchanges through your trading account, points out Ashwani Bhatia, MD and CEO, SBI Mutual Fund.
| | | |
| June 10, 2019 | | Gold best option to raise emergency funds
Gold loans are a quick, easy and low-cost way to meet your immediate and emergency financing needs, but do ensure that you entrust your gold in safe hands after thorough due diligence, suggests Gaurav Gupta, founder and CEO, MyLoanCare.in.
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| June 03, 2019 | | Can you trust your financial advisor?
We all need an expert whose advice you can trust, who will not start pushing products at you and rather help you understand why your wealth is not growing as it should, says Erik Hon.
| | | |
| May 27, 2019 | | Should you take an education loan?
'It reduces the immediate financial strain on your family and helps you take control of your finances without being dependent on your parents.'
| | | |
| May 06, 2019 | | Don't fret if credit card application rejected
Secured credit cards offer benefits similar to regular credit cards and hence an applicant should try and get a card with lower fees and more features, suggests Sarbajeet K Sen.
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| April 30, 2019 | | Should young couples invest in child insurance?
There is no reason for a child with no dependents to have insurance because insurance is put in place to provide for the child in the event of a parent's untimely death and not the other way around, says Amar Pandit.
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| April 11, 2019 | | Want car insurance? Please read this
Educate yourself about your car insurance policy's terms and conditions before buying or renewing it, suggests Animesh Das, head of product strategy, ACKO General Insurance.
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| March 25, 2019 | | 5 investment schemes to save tax
Tax-saving investments should not be made with the sole purpose of saving tax, but should also help an individual grow his wealth, suggests Archit Gupta, founder and CEO, ClearTax.
| | | |
| March 15, 2019 | | Want an education loan? Read this
Loans are available for up to 15 years, which could lower your EMI and ease your repayment burden, advises Mohan Jayaraman.
| | | |
| March 07, 2019 | | Want to have credit score of 750 plus?
An individual with a score above this level will not only enjoy easy access to credit, but will also benefit from lower cost of loans, points out Arun Ramamurthy, founder and director, Credit Sudhaar.
| | | |
| January 05, 2019 | | Heard about new-age barter platforms?
In barter, you have the choice of picking up a product that's available with the barter company in exchange for the stuff you want to discard.
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| October 19, 2018 | | How You can achieve your financial goals
Goals like buying a car or travelling abroad are short-term goals whereas purchasing a house or retirement planning are medium and long-term goals.
| | | |
| March 26, 2018 | | 3 reasons to buy health insurance
Takes care of expensive medical treatment at affordable cost even as you get quality treatment and tax benefit out of it, says Naval Goel
| | | |
| March 21, 2018 | | 10 popular ways to save tax
Investments and expenses under section 80 C allows various tax benefits, says Harjot Singh Narula
| | | |
| March 20, 2018 | | Chat@2: How to get a business loan
Rajeev Mahajan, co-founder, director and CEO at Antworks Money will answer all your queries related to availing business loans in an online chat March 21 between 2 pm and 3 pm
| | | |
| January 26, 2018 | | 'What is peer to peer lending?'
In an online chat with readers January 24, Rajeev Mahajan of Antworks answered queries on personal loans and peer to peer lending.
| | | |
| January 14, 2018 | | Buying mediclaim for a senior citizen? 6 tips for you
In the event that you need medical treatment, it should be a comforting, nurturing experience, without any concerns about affordability. Having health insurance makes that possible, says Anuj Gulati
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| January 07, 2018 | | Six money tips for a debt-free life
One needs to understand that it takes years to get out of debt. Here's Amar Pandit's advice on how to move towards a debt-free life
| | | |
| December 23, 2017 | | How to prevent online frauds
Customers taking small and convenient steps and some degree of care and precaution while paying digitally will ensure safety and security from new threats that emerge every day, says Avinash Luthria
| | | |
| December 22, 2017 | | 5 tips for smooth insurance claim settlement
Is there any use of a policy for which you keep paying premiums for 20 to 30 years and in the end your claim gets rejected? Harjot Singh Narula offers advice on how not to get your claim rejected
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| December 08, 2017 | | 5 money lessons for you to make it big
Salil Dhawan explains how as you progress in your career you can also grow your money at a phenomenal pace if you start investing early.
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| November 30, 2017 | | Got your first salary? 10 wise money tips for you
Many youngsters take financial discipline as putting restriction on their freedom. That's a myth. You can very well enjoy as well as save and grow your money at the same time. Salil Dhawan shows you how
| | | |
| November 28, 2017 | | Four add-ons to get more out of term insurance
Add-ons such as critical illness or disability due to accident are available on payment of a little extra money, and they can take care of any unforeseen, unfortunate developments, says Santosh Agarwal
| | | |
| November 04, 2017 | | Why India needs to work on financial literacy NOW!
Lack of basic financial understanding leads to unproductive investment decisions. The need of the hour is for a drastic overhaul of approach to savings and investments by Indian households, says Rajesh Sud
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| November 03, 2017 | | Are you cheating on your spouse financially?
Although not much is spoken about financial infidelity, it is becoming more and more common these days. Financial planner Amar Pandit charts a four-point plan on how to be financially loyal to your spouse
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| September 30, 2017 | | Buying travel insurance? 5 checkpoints for you
Naval Goel explains the key points that will help you buy the most appropriate travel insurance plan and leave your worries behind when you travel with family and friends.
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| September 17, 2017 | | Retirement planning: What if you lived till 100?
The first step is to estimate the retirement corpus you would need and to compute the approximate amount you can set aside every month, says V Viswanand, Senior Director and Chief Operations Officer, Max Life Insurance
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| August 31, 2017 | | Your comic book can make you rich!
The rarity of comic books in mint condition or nearly perfect ones, and the rising demand, have caused the prices to spiral internationally.
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| June 29, 2017 | | How GST will impact your insurance premium
It's an undeniable fact that after enactment of GST, buying insurance will become a little expensive impacting your term plans, health plans and motor insurance plans the most. But you should not ignore the importance of insuring your life, health, vehicle, says Harjot Singh Narula
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| June 21, 2017 | | 3 money lessons from yoga
Make yoga your way of life and enjoy the unconditional and uncountable benefits leading to better physical and financial health, says Harjot Singh Narula
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| June 17, 2017 | | 7 reasons to open a PPF account
Well, you don't need reasons to open a Public Provident Fund account but if you insist, here are seven reasons you must open an account
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| May 29, 2017 | | Buying a maternity-linked plan? Read this
It might not offer adequate cover for all the costs you incur during delivery, but will give protection against unforeseen complications, says Yashish Dahiya, co-founder and CEO, Policybazaar.com
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| May 20, 2017 | | 10 tips to simplify your financial portfolio
If you are clumsy in record-keeping and safe keeping of your papers then the problem gets aggravated. There is a strong need to be 'well organised' and in control of your various investment/insurance plans. Anil Chopra - Group Director, Bajaj Capital, shows how you can do that
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| April 26, 2017 | | Chat@2: How to secure your bank account
Chief Information Security Officer (CISO) of HDFC Bank, Sameer J Ratolikar, will answer all your queries about secure banking in an online chat with readers on April 27, between 2 pm and 3 pm.
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| April 16, 2017 | | 5 money mistakes to avoid
Help yourself and your family financially by not falling prey to these, says Naval Goel
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| April 04, 2017 | | 3 disadvantages of group life insurance
If you quit or change jobs in your 40s, buying an individual term plan will be expensive. You might not even get one if you have health problems, says Priya Nair
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| April 02, 2017 | | 8 reasons why BHIM is different
Tripti Rai explains the unique features of Bharat Interface for Money (BHIM) app developed by the National Payment Corporation of India.
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| March 12, 2017 | | 4 ways going cashless can impact your taxes
Increased income tax collection is going to be a major consequence of going cashless and this should promise a future of lower taxes and higher purchase power soon, says Anil Rego
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| February 10, 2017 | | They ensure your children's financial future
Trustees and protectors can help ring-fence your trust deed and ensure it is executed exactly the way you want, for the benefit of your children, after you are no more.
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| February 09, 2017 | | How expensive is your mutual fund?
While it may be justifiable to pay a higher expense ratio in a fund that outperforms, you should definitely exit one whose performance is below par, says Sanjay Kumar Singh
Should you sell your ELSS after the 3-year lock-in is over?
After the lock-in, ELSS investments should be en-cashed only when an important financial goal has arrived or there is a medical or other financial emergency in the family, says Anil Chopra -- Group CEO & Director, Bajaj Capital.
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| February 03, 2017 | | Want a home loan at 8.35%?
BoB's offer of a lower home loan rate to customers with credit scores of 760 and above makes it incumbent on everyone to pay heed to this all-important number.
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| January 31, 2017 | | How to pick winning mutual funds
'To ensure you remain with the better performers, you need to consistently monitor your MF portfolios and weed out the non-performers, even if they are from a star fund manager or a fund house with a sound record.'
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| January 28, 2017 | | 6 hacks to reduce your motor insurance premium
Having a motor insurance policy is very much necessary, but choosing the right policy at an affordable price is the smart way of buying a motor insurance policy, says Harjot Singh Narula
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| January 21, 2017 | | Do STPs give better returns than SIPs?
Returns in Systematic Transfer Plan are consistent as money invested in debt mutual fund schemes earns interest till the time the whole amount is fully transferred to equity fund, says Vishwajeet Parashar, Sr VP and Group Head -- Marketing, Bajaj Capital
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| January 14, 2017 | | 3 smart tax-planning tips for you
Tax planning will help you pay less income tax. Something everyone wants. But smart tax planning will help you boost your portfolio.
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| January 06, 2017 | | Why you must insure your smartphone
The smartphone has become our buddy and we owe it a good insurance policy to ensure it's protected at all times, says Naval Goel
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| December 17, 2016 | | Going cashless? Watch out for these risks
Now that you have already downloaded mobile wallets and all set to go cashless/digital with your payments to the local grocer, cabbie, maid, etc, here's what you must watch out for, says Tripti Rai.
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| December 13, 2016 | | 5 myths about child insurance
Planning to buy a child insurance plan? Know these myths to make an informed decision, says Yashish Dahiya
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| December 11, 2016 | | How to find the market value of your car
You must have heard about the term IDV from your insurance agent or you may have read it in your vehicle insurance policy. But do you know what actually IDV is?
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| November 15, 2016 | | Tell us your Cash Crisis story!
Did you need to wait hours to exchange your Rs 500/Rs 1,000 notes, only to be told you had insufficient documentation?
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| November 11, 2016 | | Golden tips to avoid Phishing-Vishing
The banking, financial services and insurance sector was the most targeted by scamsters, says Indeevar Krishna, head, operations and customer service, Max Life Insurance
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| November 10, 2016 | | 'Issuance of Rs 2000 note will not curb black money'
"but GoIs intention is to create a paperless economy and hence in future, we may see less cash transactions which will get accounted with our identity (like pan, adhaar nos)," said Investment Advisor and CEO of Right Horizons Anil Rego in an online chat with readers on November 9.
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| November 05, 2016 | | 8 reasons why you MUST invest in real estate
No other asset increases your wealth the way real estate does, says and if you are looking to make a lucrative investment which will surely give you the returns you deserve, property is the answer, says Saket Mohta.
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| November 02, 2016 | | Should YOU buy cancer insurance?
A cancer dedicated policy will provide a sum assured of Rs 20-25 lakh for a 30 year old for mere sum of Rs 4,500-6,000 per year (on an average) for a term of 35-40 years, which is even lesser than the cost of a weekend road trip with your loved ones
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| October 25, 2016 | | A simple solution for all your money dreams!
Systematic investment plans can be the best way to achieve your financial goals if started early, says Vishwajeet Parashar is the Senior Vice President and Group Head -- Marketing, Bajaj Capital.
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| October 21, 2016 | | Is it profitable to invest in more than one home?
Does it make sense to hold more than one residential property? Does the investment really give very high returns as we Indians tend to presume? Anil Rego takes you through the ups and downs of investing in residential properties
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| October 09, 2016 | | Buying health insurance? Dos and don'ts for you!
Merely having a health insurance is not the criteria, possessing the right health insurance plan will help you to reap the benefits when needed the most, says Harjot Singh Narula
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| October 01, 2016 | | 5 ways critical illness insurance helps you
Critical illness insurance empowers you to focus on getting well without worrying about returning to work, finances and the survival of the family, says Naval Goel
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| September 30, 2016 | | 3 reasons why the young must buy health insurance
Irrespective of your age and how good your health has been, the right time to get a health insurance is NOW, says Mukesh Kumar, Executive Director, HDFC ERGO General Insurance Company
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| September 29, 2016 | | Two reasons why you must invest in the NPS now
Reduction in the mandatory minimum contribution and extension to invest in the scheme from 60 years to 70 years has made the National Pension Scheme more friendly, says Anil Chopra, Group CEO & Director Bajaj Capital
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| September 28, 2016 | | Why life insurance helps in financial planning
Given the uncertainties of life today it is imperative to have a financial plan and be financially ready to ensure that all your life stage goals are met, says Shiv Maheshwari, EVP & Head - Agency, Max Life Insurance
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| September 26, 2016 | | Wedding insurance? Make the most of it
With wedding budgets ranging from Rs 20 lakh to Rs 20 crore, it is important to insure the event for any mishap that can cause major financial loss to the aggrieved parties. Mukesh Kumar, Executive Director, HDFC ERGO General Insurance Company, explains all that you want to know about insuring weddings.
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| September 25, 2016 | | 7 SIP mistakes you must avoid
It is often said, learn from your mistakes. We can twist that saying a little; learn from your mistakes and people who make mistakes. You do not have to make the mistakes to learn from them, says Priyanka Chakrabarty.
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| September 21, 2016 | | The best credit cards for you this festive season
Beginning October 1, the festive season begins. First comes Navratri, then Dussehra, Diwali and Christmas. Use these credit cards responsibly to double your festive joy, says Rajiv Raj
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| September 15, 2016 | | Is this the best mutual fund since 2011?
Had you invested Rs 5,000 every month in SBI Magnum Multicap Fund through systematic investment plan (SIP) for the last 5 years, the value of your investment would be over Rs 5.2 lakh as on August 22, 2016
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| September 13, 2016 | | Get a credit card this Onam!
Let the festivities and celebrations begin; get yourself a credit card this Onam. Shop with it, earn reward points, make your family happy but remember to never go overboard or miss your payments, says Rajiv Raj
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| September 04, 2016 | | 4 money lessons from Lord Ganesh
While you are busy making modaks and cleaning the house to welcome Ganesh, here's what you can learn from the Lord of Wisdom about money, says Rajiv Raj
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| August 31, 2016 | | Want to gift a credit card? It's simple
If you want to make life of your loved ones simpler, explore the option of giving them supplementary cards or add-on credit cards. It will not only give them freedom but also a lesson in financial responsibility
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| August 24, 2016 | | 5 tips to reduce your health insurance cost
With rise in medical costs surpassing general inflation, getting a treatment/surgery or illness treated in a hospital requires an enormous financial surplus or an alternative financial arrangement. Harjot Singh Narula offers simple tips to reduce these costs
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| August 23, 2016 | | 8 loan 'charges' that can cost you a bomb
When opting for any loan, make sure you read the terms and conditions carefully, and understand the 'other charges' to avoid any disappointment at a later stage.
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| August 16, 2016 | | Get your sister a credit card this Rakshabandhan
You can gift your sister a Women Special Credit Card, which is not only loaded with exciting rewards for women, but they are also your sister's first step towards a better credit management.
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| August 14, 2016 | | Consumers, Wake Up!
Harshala Chandorkar, chief operating officer, CIBIL, explains your rights and duties as a responsible consumer
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| August 10, 2016 | | Investing in MFs? Dos and don'ts
Join us for an online chat with Vidya Bala, Head of Mutual fund research at FundsIndia.com, on Wednesday, August 10, between 2 pm and 3 pm.
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| July 27, 2016 | | Getting married? 4 money goals for you
Financial planning need not be boring or solely be a man's job. It can be made fun and be used as another way to increase a couple's closeness and happiness! Try it!
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| July 23, 2016 | | Why SIPs make money for you
Systematic investment plans combine flexibility, discipline, cost averaging and power of compounding to help you achieve your financial goals
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| July 20, 2016 | | A 15-day guide to become a millionaire
Now that you have clicked on this sensational headline do read what follows. It will not make you a millionaire in 15 days but lays a solid foundation for you becoming one.
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| July 19, 2016 | | Planning to buy a new house? Terrible idea!
If you are in your 20s, renting out an apartment and under pressure from parents and peers to buy that dream home, just make these solid arguments to tell them why it just doesn't make any sense!
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| July 14, 2016 | | Are online insurance plans reliable?
There is nothing to worry about while buying an online life insurance plan because the benefits you get are completely genuine and the plans are the same that are available offline, just that you can get them at a much reasonable rate and so you must take advantage of the benefits they provide.
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| July 12, 2016 | | 5 mistakes that delay your income tax refund
In the era of e-filing, small mistakes lead either to delayed or complete denial of income tax refunds. So, avoid these 5 common mistakes that could lead to delay in refunds.
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| July 08, 2016 | | Why are the youth not investing today?
Do you want a blunt answer? My experience tells me that the greatest challenge to overcome is inertia -- not resources or understanding. Get off your butt and make that first investment, advises P V Subramanyam.
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| June 28, 2016 | | Brexit vs you: 20 simple questions
If you have answers to these, you need not worry about Britain's exit from the European Union, Raghuram Rajan's exit from the Reserve Bank of India or Narendra Modi's chances of re-election in 2019; your financial future will be safe, says P V Subramanyam
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| June 26, 2016 | | Back to basics: Demat investing
If you are new to investing andarenot sure how ademataccount worksoperates, here is everything you need to know aboutdemataccounts and what happens when you buy or sell shares online.
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| June 21, 2016 | | Why EPF withdrawal rules must be tightened
Generally, most Indians are under-prepared for their post-retirement life. Many middle class private sector employees end up consuming their PF accumulations for variety of other reasons like marriage of their children, medical treatment or purchase of house, etc., says Anil Chopra- Group CEO & Director- Bajaj Capital
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| June 13, 2016 | | 4 easy ways to increase your credit card limit
While you go about it, please note that if it is difficult for you to keep your spending habit in check, all the benefits of getting a credit card limit increase will be pointless.
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| June 09, 2016 | | Why SIPs win over lumpsum investing
So unless you are convinced of getting your market timing absolutely bang on everytime, opting for SIPs is more realistic from a logistical and psychological standpoint, says Larissa Fernand
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| June 07, 2016 | | Tips for grads to build a good credit score
Building your credit from scratch during your post-graduation years is a good idea because it gives you the opportunity to build a solid foundation for your credit history. Here's how to go about with it.
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| June 06, 2016 | | Why you must buy a personal accident insurance policy
This insurance policy covers permanent total disablement, permanent partial disablement, temporary total disablement, accidental death and double indemnity for permanent total disability and accidental death
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| June 01, 2016 | | MF basics: Balanced funds vs Dynamic funds
Mutual fund investments come in various shapes and forms -- ranging from the passive index funds to the actively managed funds. Two of the most popular mutual fund types are balanced funds and dynamic funds. Let us take a deeper look at what each one is and how they are different.
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| May 28, 2016 | | Why you must buy home insurance
Don't think twice to secure your most prized possession. It protects your precious home against unforeseen calamities
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| May 14, 2016 | | A critical illness cover is also for Millennials
Most Millennials do not realise the importance of having a critical illness insurance policy till they find themselves or their near ones in circumstances where they need it. A little extra caution -- by way of critical illness insurance -- can save the young professionals from a large hole in the pocket in the time of accumulation of wealth.
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| April 27, 2016 | | The many benefits of motor insurance
Any unexpected expense can disturb the finely-balanced budget of middle-class individual. That's when a motor insurance policy comes as a saviour
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| April 14, 2016 | | Busted: 6 myths about life insurance
Here is what you must not think before buying life insurance, says V Viswanand, Senior Director and Chief Operations Officer, Max Life Insurance
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| April 10, 2016 | | Are credit cards the real devil?
Credit cards are mere conduits! The temptation to splurge lies within us. When it comes to money matters, don't let emotions guide your actions.
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| March 29, 2016 | | Why you should buy a home NOW!
A fall in home loan rates since last September as well as a few provisions in the Union Budget 2016-17 are working in favour of the home buyers, says Rajiv Raj
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| March 20, 2016 | | A home loan for everyone
Lenders have lined up a number of home loan products that can fit every aspirant's annual income.
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| March 16, 2016 | | 5 tips to save tax and create wealth
Don't let income tax come in the way of your long-term financial planning, says Ashish Vohra, Senior Director and Chief Distribution Officer, Max Life Insurance
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| March 09, 2016 | | How to claim insurance for missing people
What happens to such a person's life insurance policy? Does the partner or beneficiary or assignee pay the premiums and continue the missing person's life policy in force?
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| March 08, 2016 | | 6 ways women can save money for retirement
Women are multitasking and management queens. The pointers here can easily be managed by all women along with juggling their current tasks at hand. Superheroes are fictional whereas superwomen are real. They are all around us!
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| March 01, 2016 | | Do you need a high health cover?
Ideally, people who have a family medical history should buy high sum assured if they can afford the premium of the same.
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| February 24, 2016 | | How to get the best deal on travel insurance
Keeping this in mind you can easily get the best travel insurance policy for yourself and your family. It is advisable to do some research before making any decision.
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| February 22, 2016 | | Does marriage affect your credit score?
Getting married has no direct bearing on the credit score of either of the spouses. However it does impact the financial situation and may sometimes impact the credit score of any individual indirectly due to the action of the partner.
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| February 04, 2016 | | Buying health insurance? 4 smart tips for you
Companies selling health insurance are not in the business of giving away money. Let us face the fact that more they deny the claims, more they will earn. So, it is better for you to think and check out on all the details of a perfect health plan before signing the agreement.
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| February 02, 2016 | | A loan guarantee could harm your CIBIL Score
Guaranteeing a loan requires careful analysis before making the decision; you should not guarantee a loan just because a friend or acquaintance has asked you to do so, warns Rajiv Raj
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| January 29, 2016 | | How to plan a financially safe retirement
Some important investment options like fixed annuity, bonds, life insurance and equity among others can help you in fulfilling your goal. The details...
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| January 27, 2016 | | Look before you leap for that home loan!
If one has to draw a parallel to a home loan, marriage comes pretty close. There is a high involvement of finances, emotions and a long time commitment. But don't let this analogy send your thought trail in a frenzy! Just like marriage, this can turn out to be the best decision of your life.
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| January 26, 2016 | | How to buy the best travel insurance plan
With the advent of many online insurance web aggregators, buying an appropriate travel insurance plan to match your tour package has never been so trouble-free.
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| January 17, 2016 | | 5 ways to avoid credit card frauds
Whether it is the virtual world or the physical one using your credit card with a few precautions go a long way in keeping it safe. Be cautious and do not become a statistic in the growing credit card fraud!
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| January 09, 2016 | | Co-signing a home loan? Stop, right now!
Co-signing a loan is a huge responsibility and can impact you greatly. Here's what you need to know before your generous streak gets the better of you!
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| January 03, 2016 | | 3 New Year money tips for your child!
The over-concerned species that we parents are, New Year is a great time to ensure that we leave our children with something to learn by, says Murad Nathani
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| December 21, 2015 | | Why young insurance buyers save more
The older you get, the more premium you pay for buying life insurance. So it is better to buy a life insurance plan before your next birthday and save money on premium paid.
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| December 15, 2015 | | How big should your emergency fund be?
Most personal finance advisers or wealth planners agree that emergency savings are a critical component of financial wellness. However, despite the importance of savings to financial health, there is no commonly accepted methodology to determine how much an individual or family might need in case of an emergency, says Aron Szapiro, a consumer finance expert.
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| December 14, 2015 | | 6 benefits of using E-payment cards
While we are slowly moving towards a future where using hard cash will be obsolete, it is indeed a wise idea to start using E-payment cards for pocket money. We need to keep up with the times while we follow our children into the future.
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| December 10, 2015 | | Five steps to improve a poor CIBIL score
Do not panic if you have a poor credit score. Do not live with the fear of having an important loan rejectd by the lender because of a poor credit score. Here's the solution for your woes
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| December 09, 2015 | | Busted: 7 online insurance myths
Buying online insurance is hassle-free and saves on premium paid too. These seven myths discourage you from buying insurance online. Beware!
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| December 08, 2015 | | FAQs: Importance of credit card reward points
Though reward points should not be a primary concern while opting a credit card they do hold some monetary value. Be sure to redeem your points on time and make the best use of your card.
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| December 02, 2015 | | New to CIBIL score? 5 useful tips for you
Just like optimum blood pressure, sugar and the likes are the measure of your physical health, a good CIBIL score is a measure of your financial health and you must do the needful to keep your CIBIL score at a satisfactory level.
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| December 01, 2015 | | Why you must buy a critical illness plan
If you are diagnosed with a critical disease, then its treatment would be very expensive and may require intensive care and hospitalisation which your comprehensive insurance plan may not cover. In such type of cases you have to pay the cost of the whole treatment.
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| November 30, 2015 | | Revealed: 5 credit card secrets
Credit cards are no angel or devil. Spending habits and personal finance management make it what it appears to be. Let there be no illusion, think real, be wise.
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| November 29, 2015 | | Buying a new home? 5 mistakes to avoid
Most people make compromises when they are seeking out their first homes, but the pertinent question to be asked here is how far should you go while making sacrifices? Read on to find out more.
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| November 25, 2015 | | 3 common investing mistakes
Don't panic and sell when the markets fall or get into the market only when it is on a run. By doing that you defeat yourself.
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| November 24, 2015 | | Your tax-saving ready reckoner
An excerpt from 'Money Smart: The Indian Woman's Guide To Managing Wealth' by Reenita Malhotra Hora and Divya Vij that reveals various options to help you save tax as well as invest for creating long-term wealth.
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| November 23, 2015 | | How to be a smart borrower
Let not the smartness be confined only to your phone... Transfer it to borrowing too! Here's how
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| November 21, 2015 | | 4 investment mistakes to avoid
As emotional beings, humans tend to be their own worst enemy when it comes to making investment decisions, says Holly Cook
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| November 20, 2015 | | 8 money mistakes you must avoid
While proper financial planning is a subject in itself, in my experience, to increase levels of financial safety and security, a person needs to avoid a few basic mistakes, says Parag Raja
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| November 17, 2015 | | Gold vs stocks: Where should you invest?
Physical assets such as gold and real estate have their own positives and negatives, while other financial assets such as mutual funds, stocks and bonds come with their pluses and minuses. Let us look at both options in a little more detail.
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| November 14, 2015 | | 7 ways to build a successful portfolio
Realise that no one knows where the market is headed. And no successful investment strategy revolves around trying to guess the market's direction.
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| November 13, 2015 | | The pros and cons of credit card reward points
Reward points should not be considered as a primary factor when choosing a card. Always remember these points should be considered as an auxiliary benefit you derive due to using your card or staying loyal; they should never become an inducement to spend more.
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| November 03, 2015 | | Five hacks to save money on a home loan
A mortgage is a great responsibility that you must bear on able shoulders for a long period of time. If you already have a mortgage or are planning to avail of one soon, you are obviously confident of your finances, but a few tips to save money on your home loan couldn't hurt, right? Read on to find out more!
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| October 27, 2015 | | 5 hacks for saving tax!
The wise pay their taxes on time and plan for it before time. That does not mean one has to necessarily go through the big fat books on taxes! Knowing a couple of hacks for saving tax can have it sorted for you.
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| October 16, 2015 | | 5 sure-shot credit score killers
If you want to keep your CIBIL Score alive and kicking (healthy) make sure you steer clear from the above mentioned common credit score killers.
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| October 11, 2015 | | Applied for a personal loan? Read this
Although personal loans are easy to avail and you can always rely on them in a financial emergency, they are also expensive as compared to any other kind of loan. Therefore it is advisable to make sure that the loan you are borrowing is always used for fruitful purpose.
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| October 07, 2015 | | Do you have adequate health insurance?
Join us for an online chat with health insurance expert Anil Rego between 2 pm and 3 pm on Wednesday, October 7.
First time investor? Read this
If you want to invest in mutual funds, but don't want your investment to dip below market returns, then you must know the difference between 'active' and 'passive' investing.
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| October 01, 2015 | | 5 home loan lessons from Mahatma Gandhi
Gandhiji inspired the nation to believe in their dream. He continues to be an inspiration to each one of us by making us believe in our dreams. Make that home loan work for you and don't give up till you sign on the dotted line for owning your dream home.
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| September 02, 2015 | | Money tips for stay-at-home moms
If you choose to be a stay-at-home mom, it definitely does not mean that you are losing a grip over your finances. In fact, there is a lot you can do for yourself and your family.
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| September 01, 2015 | | Decoding your CIBIL score
Answers to six commonly asked questions about CIBIL score that will help clear your confusions
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| August 19, 2015 | | How to 'settle' your credit card woes!
If your loan was rejected because you had just 'settled' your outstanding dues and not 'closed' it altogether, then here's how you can get this loan approved.
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| August 17, 2015 | | Top 7 tips to increase your loan eligibility
A dream home can be closer to reality if you live a financially disciplined life. All that it takes is to make smart moves at the right time in your life and career.
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| August 13, 2015 | | Buying a house? Here's how to negotiate
How can you, as a buyer, put your best foot forward at the negotiation table? Above everything else, the Scout's Motto holds true -- Be Prepared.
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| August 06, 2015 | | Your credit profile can help you get better loan rates
Banks create a credit profile of every person who approaches them for a loan. This is a very vital part of any loan application process and banks do consider it very seriously before sanctioning any kind of loan.
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| August 03, 2015 | | Rejected for a job? Check your credit score
A bad credit score in general is seen as an irresponsible behaviour of an individual. Inability to pay on time reflects that the person is not capable of take care of things.
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| July 29, 2015 | | Tips to avoid tax woes!
Have you planned to file your income tax return? But, did you check Form 26AS before tax filing? If you haven't verified it, you could be looking at trouble
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| July 28, 2015 | | 6 money tips for young adults
With unlimited youthful energy, a capacity to earn more and wonderful years ahead of them, students definitely need to learn about handling money matters early in life. Here's a good starting point
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| July 27, 2015 | | Start-up funding simplified
Read this and rest assured you can be on your own against venture capitalists and angel investors
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| July 14, 2015 | | 8 ways filing income tax return is different this year
With the new tax slabs applicable for income earned during Financial Year 2014-15 and host of new changes in income tax returns and filing norms, this e-filing season will certainly bring in a new experience for taxpayers. Here's how
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| July 12, 2015 | | Why make good borrowers pay for bad ones?
It's unfair, isn't it? That good borrowers are not rewarded for their discipline and are forced to subsidise indisciplined borrowers who may pose higher credit risk...
A dummy's guide to two-wheeler insurance
While buying a policy a customer should make sure s/he reads the terms and conditions very well. That is important because whatever is in the policy determines what the company is liable to cover.
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| July 07, 2015 | | 6 tips to get the best home loan deal
Applying for a home loan may seem scary if you go into the process unprepared, but if you have braced yourself well in advance and follow these steps you will find that getting your home loan application approved is a breeze.
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| June 24, 2015 | | 4 home loan agreement clauses you must know
Always be clear about the clauses and conditions laid down by your bank or housing finance company. If at all you skip this task then you may face a major problem during the entire tenure of your loan or may be even beyond that.
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| June 19, 2015 | | Is your credit card getting the better of you?
It all begins with a little overspending on the credit card, and before you know it, you find yourself being sucked into a debt trap. You may think you have a debt pay off plan, but think again!
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| June 09, 2015 | | Are you a good borrower?
Find out how banks and lending institutions decide if you are worth their money based on your CIBIL TransUnion Score and Credit Information Report.
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| June 01, 2015 | | Know your mutual fund risks better
The new 'riskometer' seeks to help investors gauge the level of risk in a particular scheme. The new guidelines will come into effect from July 1, 2015.
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| May 13, 2015 | | How to make money by betting on interest rates
It's just not stocks and mutual funds that help you make good profits in the long run, says Sharath Komarraju, author of 'Money Wise' which, he says, is 'Aam Aadmi's guide to wealth and Financial Freedom'.
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| May 08, 2015 | | Life insurance as a tax saving tool
With life insurance you can serve the objective of providing for your family's protection and also save tax in the process, says Aalok Bhan, Director and Head -- Product Solutions Management, Max Life Insurance
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| May 07, 2015 | | 5 ways to avoid money tiffs with your partner
Money is a touchy topic for most of us. Money fights between couples are all about control and freedom. Keeping the communication channels open and respecting each other's attitudes can help couples manage finance better.
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| May 06, 2015 | | 4 ways to quit your role as a loan guarantor
It is not very easy to wriggle out of your role as a guarantor in case the original borrower defaults. Nevertheless, you can still come out of the situation with your credit record intact.
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| May 05, 2015 | | Why you should invest in exchange traded funds
An ideal portfolio is one which not only takes care of the ultimate end goal of a secure retirement, but also takes care of the expenses in-between. Look no further than investing in exchange traded funds, or ETFs, says Vikaas M Sachdeva, CEO, Edelweiss Asset Management Ltd.
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| April 28, 2015 | | Money tips if you just started earning
It is important to celebrate when your first paycheck arrives, but is equally important to ensure that you take the time to learn some very important personal finance lessons, so that you can put your salary to work for you and grow a savings corpus.
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| April 24, 2015 | | 5 BAD money habits you must avoid
Being careless with money is often associated with bad financial habits. If you are not aware of what these bad habits are, here is a list that could well serve as a caution.
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| April 21, 2015 | | Did your mutual fund manager just quit? Relax!
If a fund manager moves on to another fund or resigns from the concerned asset management company, is that a sign to sell your holdings in the fund or discontinue your SIP? Read on...
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| April 20, 2015 | | 4 credit report errors that can cost you dearly
An error does not become a mistake until you refuse to correct it. Errors in your CIBIL credit report can become costly mistakes if you do not rectify them in time. So next time you get your CIBIL report, do not just see the score and tuck it away.
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| April 18, 2015 | | 10 money mistakes that hurt your goals
Here is a summary of mistakes I have seen investors make. Of course it is not exhaustive, and investors find newer ways to lose money, but here it is anyway...
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| April 13, 2015 | | What is goal-based investing?
Do you know the difference between the assets you own and liabilities you owe? Do you know your financial goals and how to achieve them in a time-based manner?
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| April 10, 2015 | | How to check your savings account balance
Going to the bank and using your passbook to find out your bank balance while still available and widely used, technological innovations have brought your bank at your fingertips.
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| March 30, 2015 | | 5 major mistakes investors make
Investor mistakes are just too many and to me everything looks major. P V Subramanyam tells a few that bother and bug him as an investment advisor.
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| March 25, 2015 | | 11 credit card charges you probably don't know
There is no such thing as 'free' credit cards. Most of the charges associated with your card are not even told upfront to you. Knowing about these various fees and charges will put you in good stead and help you use your card prudently.
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| March 14, 2015 | | Taxercise: Ensuring your financial health
If you plan it out, instead of rushing it in the last moment, you will realise how much you have saved and the difference it makes to your personal wealth.
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| March 11, 2015 | | Top 6 tips to choose your retirement plan
How do you decide which retirement plan is the best one for you? Here are the top six parameters to keep in mind when finalising one for your golden years.
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| February 28, 2015 | | How to identify wrong advice
When you get advice from somebody you are hardly in a position to tell whether it is in YOUR interest, right? Well, here are some tips!
Decoding Union Budget 2015-16: What's in it for YOU!
In an online chat with readers a few hours after the Union Budget 2015-16 proposals were announced by Finance Minister Arun Jaitley, Sundeep Agarwal, Director, PwC India, answered related queries to help put the announcements into perspective.
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| February 25, 2015 | | 8-point Budget wishlist for Santa Jaitley
While we have our wish lists ready, it's only on February 28 that the verdict will be out. We do hope the FM plays Santa and brings some good cheer in this financial year. Meanwhile let's take a moment and list our expectations.
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| February 20, 2015 | | Saving vs investing: What's in it for you!
Saving is not the same as investing as many people wrongly assume. But what's the difference between the two? How does each benefit you. Larissa Fernand has the answers
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| February 19, 2015 | | Are you adequately insured?
This question remains unanswered most of the time due to lack of knowledge or guidance. No more!
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| February 13, 2015 | | Here's how to save tax!
A simple primer on how much money taxpayers can save under various sections of the Income Tax Act.
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| February 10, 2015 | | Valentine's Day Special: Save money, honey!
Spending money to make this day special is the easiest way out, but also very predictable and boring. Some creative thinking and you can indeed spend less money and have more fun!
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| February 05, 2015 | | Is having debt good for your credit score?
In order to be eligible for a loan when you really need one, it is imperative to maintain a good credit score. By having a good mix of debt and servicing it regularly, you can maintain a good credit score and be loan ready at all times.
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| February 04, 2015 | | 6 best ways to save tax
A tax plan is not only to save taxes, it should also assist you in achieving your other financial goals such as buying a home, a car, children's education, retirement to name a few. Here are some top ways in which you could plan for your tax savings
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| February 03, 2015 | | 7 more reasons why your credit card could be declined
If you ever face a situation where your card transaction is declined, it is advisable to call your bank and check with them for the cause. In most cases, unless it's a fraudulent issue, the problems will be resolved on the phone.
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| January 30, 2015 | | 5 smart tips for home loan customers
Do you aspire to purchase a house? Are you depending upon a bank or housing finance company to fund your needs? Is the same rate of interest charged by two different lenders confusing you? You are at the right place.
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| January 29, 2015 | | Value investing is difficult because...
All investors are value investors. Or they at least like to believe this. So let us see why VI is so difficult to achieve, even though philosophically it is easy to understand.
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| January 28, 2015 | | How to plan smart for your retirement
: Get serious about your retirement planning. You don't want to be broke in your eighties! Making smart decisions now will help you enjoy your retirement years.
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| January 25, 2015 | | BORROWING to buy an asset? Don't!
However, if you do borrow for say buying a house -- most people do -- do not be in a hurry to repay the loan. Take a loan at a young age and keep it on for the whole period.
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| January 22, 2015 | | Busted! Top 3 credit score myths
Correct your friends the next time they try to scare you; offer them tips on how they can improve their credit scores if they are poor borrowers
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| January 15, 2015 | | Want to be wealthy? Avoid these simple money mistakes
Many people like words like wealth creation, equity, SIP, etc. It does not mean they understand the whole process is not so difficult. Neither is it so easy. Here are some mistakes people make with their investments
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| January 13, 2015 | | Money lessons from Makar Sankranti
Let's take you on a fun journey on kites and Sankranti traditions and guess what? You can learn a thing or two about financial planning from it as well.
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| January 12, 2015 | | 6 ways to manage money after a layoff
If you have recently been laid off or are worried that your neck may be in the line, it is natural to be worried about your finances. But worrying, as you know, will not get you anywhere. Here are some tips about what you can do to keep the boat from rocking and keep your CIBIL score intact while doing so.
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| January 09, 2015 | | Money tips for your children
Sanjay Matai, a financial adviser and author, penned this advice for his son when he got his first job and first paycheque.
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| January 07, 2015 | | 10 tips to survive a layoff, financially
Have you been fired from your job recently? Or do you fear it will happen soon? Here are a few tips on how you can survive a layoff, financially.
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| January 02, 2015 | | Investments resolutions for 2015
Yes, you need them: to complete the resolutions that you had made in 2008, 2009, 2010, 2011, 2012 and 2013. There is no point in making new resolutions if you have not lived up to the previous resolutions, right?
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| December 14, 2014 | | 11 reasons why people overspend
A list of what I have seen and what I think. If you agree with this post and have many reasons of your own, please share them with us!
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| December 11, 2014 | | Busted: 4 CIBIL credit score myths
Middle class Indians have grown up with the belief that living on credit is essentially a bad thing. You are in trouble if you think the same, cautions Rajiv Raj
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| December 09, 2014 | | Buying a house? 5 things to watch out for
If you're in the market for a new home, now may be the perfect time to make your purchase. But, before making an investment for lifetime, there are many factors that come into play and much to be considered.
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| November 25, 2014 | | How EMIs destroy your dreams!
Abhishek Agarwal takes a controversial view on how our dreams are being mortgaged by EMIs we keep paying month after month.
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| November 17, 2014 | | Six benefits of FDs you perhaps didn't know
Traditionally FDs have been plain vanilla products but nowadays amid cut-throat competition, banks have modified these keeping in line with customers' requirements.
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| November 13, 2014 | | Why should your ATM usage hurt your pocket?
So what if your bank has imposed/will impose a transaction fee of Rs 20 for using ATMs after your fifth visit in a month? You can still remain within your free transaction limits and avoid being charged at all. Wondering how it is to be done? Read on.
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| November 07, 2014 | | How to select a ULIP
Confused about what the agents tell you about this investment product? Then you must read this
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| November 05, 2014 | | Want a home loan without any hassles? Read this
A critical factor that can ensure easier and hassle-free access to home loans is keeping a watchful eye on your Credit Information Bureau India Ltd (CIBIL) Report and CIBIL TransUnion Score.
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| October 20, 2014 | | Money-wise: 5 tips to have a cracker of a Diwali!
By implementing these simple ideas you will not only have saved a lot of money, but ensured that you do not find yourself in a pile of credit card debt or have thrown your monthly budget out of gear.
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| October 13, 2014 | | Married? Your car insurance can come down by 20%!
Apart from traditional factors, some new parameters have also been introduced into auto insurance agreements, which can prove to be a boon for the policyholders and can lower their premiums.
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| October 11, 2014 | | 3 lessons for online shoppers after the Flipkart sale
Don't hit the buy button as soon as you hear of the next BIG online sale this Diwali. Here are some very important lessons -- in the light of how some online shoppers felt cheated after Flipkart's 'Billion Day Sale' -- that could save you time, money and peace of mind, says Rajiv Raj!
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| October 03, 2014 | | Four money lessons from Dussehra
As you spruce up for Dussehra puja this year, we have a suggestion for you! How about looking at your finances in a whole new way?
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| September 30, 2014 | | 12 things your bank must do for you
A conduct checklist for banks and financial institutions in India that must be followed while dealing with loan applications.
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| September 29, 2014 | | 15 questions you should ask your financial planner
To be sure that you are committing your money to the right person, you must ask these questions to your financial planner. There is no point in cribbing after you have committed your money! Is there?
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| September 26, 2014 | | Keep track of your financial health this festive season
Gifts for loved ones, spending on yourself on impulse buying on EMIs and credit cards can leave your financial health completely stressed by the end of the year, says Harshala Chandorkar, Senior Vice President -- Consumer Relations, CIBIL
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| September 22, 2014 | | How to make a personal budget that works
A budget is nothing but a tool to keep your spending under control and ensure that the monthly expenses are lower than your monthly income. Here are some tips on how you can make your budget work
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| March 08, 2013 | | 5-step financial planning for women
On the occasion of International Women's Day, Vibha Padalkar, ED and CFO, HDFC Life, offers a five-step plan for urban women to attain financial freedom.
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| September 27, 2012 | | Is this the RIGHT time to go for a home loan?
Home loan expert Harsh Roongta's take on where the home loan interest rates are headed after the Reserve Bank of India recently cut the cash reserve ratio by 0.25 per cent.
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| April 21, 2011 | | SMART tips to use your credit cards
In an online chat with Get Ahead readers on April 20 Kunnath Santosh of Perfios gave tips to readers on how they can become smart credit card users.
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| August 05, 2010 | | Cell phones: Too many telecallers?
Do you have a funny or harrowing experience to share about your rendezvous with pesky telemarketers? Simply write in to us at getahead@rediff.co.in with the subject 'You are not alone Pranab da' and we'll publish the best stories right here on rediff.com!
Can you claim double reimbursement on mediclaim?
Have a query regarding health insurance or mediclaim policy? Maybe we can help. Drop us a line and our expert, Harsh Roongta, CEO of Apnapaisa.com, will answer it.
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| July 27, 2010 | | How young India earns, spends and saves
Rediff.com launches a weekly series that will provide insights into how Young India lives. We will speak to Young Indians across the country about how they earn, spend and save, their ambitions, their dreams, and their goals.
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| July 09, 2010 | | All you must know about contra and value MFs
In a chat with Getahead readers on June 22, Dhruva Raj Chatterji research manager at iFAST Fundsupermart.com, AMFI registered mutual fund distributor, answered queries about contra and value mutual funds. For those who missed the chat here is the transcript.
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| June 21, 2010 | | Best insurance policies for your family
Have a query regarding health insurance or mediclaim policy? Maybe we can help. Drop us a line and our expert, Harsh Roongta, CEO of Apnapaisa.com, will answer it.
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| June 08, 2010 | | Are index funds playing with your money?
Aren't index funds mandated to mirror the underlying index they track? What does it mean when your index funds returns outperform or underperform the index they track?
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| May 05, 2010 | | 9 money mantras my mother taught me
make their children understand the importance of finances right from their childhood days. Here's what my mother taught me about money.
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| February 17, 2010 | | Reader invite: Getting out of a debt trap
We invite our readers to send their useful ideas and suggestions on how to get out of a credit card debt trap for the benefit of those who are finding it difficult to cope with it.
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| December 11, 2009 | | All you want to know about teaser home loans rates
Will the intense rate cut war help Indian consumers of home loans? What are the pros and cons of availing home loans that have fixed rates for the first two to three years and then switch to floating rates?
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| November 20, 2009 | | 10 insurance myths -- BUSTED
Insurance is a highly misunderstood product and it's often bought and sold for the wrong reasons.
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| November 04, 2009 | | 5 mantras to invest your money smartly
Irrespective of good times or bad times, if you follow these basic rules with your money you are sure to reap rewards and a secure future.
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| September 11, 2009 | | 7 steps to get the best car loan rate
Negotiating a car loan is not that simple as dealers tend to price in manufacturers' and financiers' discount into the interest rate. Here is a step-by-step process to negotiate the best car loan deal.
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| August 03, 2009 | | Shop safely this Raksha Bandhan
Here are seven rules that will help you secure your online shopping this festive season beginning with Raksha Bandhan.
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| July 07, 2009 | | No entry load on mutual funds: Who wins, who loses
Mutual fund investors will be able to earn more on their investments because of the Securities and Exchange Board of India ruling on the removal of 2.25 per cent entry loads on their investments.
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| July 06, 2009 | | Know your insurance rights as employees
The Workmen's Compensation Act provides for insurance and compensation that an employer has to give to employees in case of an injury or death.
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| July 02, 2009 | | Right time to go for a home loan?
In a chat with readers on July 1, home loan expert Harsh Roongta said readers must go for a home loan now if they are planning to buy their dream homes.
Financial planning with mutual funds
Here's how you can plan your returns better by investing in mutual funds and the best mutual funds to invest in.
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| June 10, 2009 | | How to check your financial health: VI
In the concluding part of the series on personal financial ratios we explain the net invested assets to net worth ratio that will help you stay out of financial troubles.
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| June 03, 2009 | | How to check your financial health: V
In the fifth part of this series that simplifies personal financial ratios, we explain solvency ratio and how it can help you stay out of financial mess.
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| June 02, 2009 | | Understanding debt market basics: IV
In the fourth part of the series that simplifies financial concepts we explain how keeping an eye on interest rates can help you maximise your gains.
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| May 28, 2009 | | Want to buy a house? Here's help
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Real estate expert Tushar Bungley, hosted a chat with GA readers on May 28 to answer their queries.
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| May 27, 2009 | | Check your financial health: IV
Here is the fourth part of a series to help you analyse personal financial ratios that will help you check your financial health.
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| May 14, 2009 | | Real estate opportunities in India
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Real estate expert Tushar Bungley, hosted a chat with GA readers on May 13 to answer their queries.
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| May 07, 2009 | | Are you afraid to buy ULIPs?
Get Ahead financial planning expert Vetapalem Sridhar advises you on how to look at unit linked insurance plans as an investment.
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| May 04, 2009 | | Are commodity mutual funds for you?
Once the world economy starts growing commodity prices will likely rise again so investing in a commodity-based mutual fund may not be a bad time to invest some of your money.
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| March 05, 2009 | | Tips to save tax
How should you plan your taxes and dervive optimum returns from them? Should you buy a house, go for a loan in the current economic situation?
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| February 26, 2009 | | 7 steps to make a financial plan
How do you go about making a financial plan for you and your family? What are the benefits of making a financial plan? Do you need huge amount of money to start one?
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| February 19, 2009 | | Should you prepay your home loan?
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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| February 18, 2009 | | Can't repay your loans? Here's help
With people losing their jobs and finding it difficult to repay their loan obligations here's how you can cope with the crisis.
Best real estate deals in your area
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Or should you wait for a while before buying your dream home?
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| February 13, 2009 | | Best SIPs for saving tax
How should you plan your taxes and dervive optimum returns from them? Should you buy a house, go for a loan in the current economic situation?
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| January 30, 2009 | | Buying a home for the short-term?
Eight tips to help you if you are buying a home with a short investment horizon.
How to invest for your child's future
Which is the best mutual fund plan to invest for your child's future? Which is the best pension plan for you to secure a stress-free retirement life? Financial planning expert Vetapalem Sridhar provides some answers.
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| January 28, 2009 | | Right time to buy property?
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Or should you wait for a while before buying your dream home? What are the chances of real estate prices going further down? Or are they likely to go up in the near future? When will the property market stabilise?
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| January 23, 2009 | | Got a home loan query?
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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| January 21, 2009 | | Haven't filed your tax returns yet?
Can you file your tax returns for the last three years before March 31, 2009? Is a post office recurring deposit covered under Section 80C? Can you claim any tax benefit on money spent on your child's school uniform? How can you avail of tax deductions under Section 80 DD? Can you claim tax deduction on interest paid on personal loans? Here are the answers.
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| January 14, 2009 | | Got a home loan query?
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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| December 31, 2008 | | Investment ideas for 2009
Where should you invest your money in the New Year? Financial planning expert Vetapalem Sridhar has some answers.
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| December 30, 2008 | | Financial planning in tough times
Here's how you can make a financial plan that will help you create wealth even in the face of an economic meltdown.
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| December 29, 2008 | | Terror insurance: Are you covered?
In the wake of the recent terror attacks in Mumbai it is important you know how to avail an insurance policy that also covers death or injuries because of terror attacks.
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| December 19, 2008 | | Worried over falling investments? Here's help
Have your investments in mutual funds, stocks, pension plans and various unit linked insurance plans come down by half? What should you do in such a situation? Should you sell all your investments or buy more? What's the right investment strategy now?
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| December 16, 2008 | | Impact of home loan rate cuts on YOU
Here's how the cut in interest rates on home loans announced on December 15 by the Indian Banks' Association is likely to have an impact on you.
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| December 08, 2008 | | Timing the market -- A popular 'myth'
Persistence and discipline are key to creation of wealth in the long term. Time is your strongest ally in helping your wealth grow multifold.
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| November 24, 2008 | | Unmanageable EMIs? How to cope
How do you cope with a home loan EMI that's becoming unmamanageable due to various reasons? Can going for a personal loan to pay home loan installments a good idea?
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| November 14, 2008 | | Huge losses in stocks? What to do
Have you suffered huge losses in the stock markets in recent times? What do you do in such a situation? Should you sell the rest of your stocks and quit the stock market? Or should you buy more at lower prices? What should be your stock market strategy when the world over stock markets are crashing?
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| November 11, 2008 | | PG diploma in Forestry Management
Indian Institute Of Forest Management invites applications for Admission to the fully residential two year PGDFM (Post Graduate Diploma in Forestry Management ) Programme 2009-11 session.
To buy or not to buy gold?
Gold has always held its own in times of financial crisis. Will it give good returns to investors this time round?
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| November 03, 2008 | | The art of wealth management
Wealth management is an art that can be learnt. It's important to know this art when we are facing a financial meltdown globally.
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| October 27, 2008 | | Investing to WIN in stocks
Investing your money to win is all about discipline and patience and not about timing the market. That's the investment principle of legendary investor Warren Buffet and you too can make good returns if you follow them.
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| October 16, 2008 | | 10 tips to survive a layoff, financially
Have you been fired from your job recently? Or do you fear it will happen soon? Here are a few tips on how you can survive a layoff, financially.
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| October 10, 2008 | | Health insurance & YOU
Insurance expert Harsh Roongta on all you MUST know about health insurance policies.
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| October 09, 2008 | | Are market falls good time to invest?
Do stock market falls like the recent one better times to invest money in stocks? If yes, then how should you go about investing in stocks? How long should you hold your positions if you have bought when the market was at its peak?
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| October 06, 2008 | | 5 things you must know about your MF statement
Your work doesn't stop at investing in mutual funds. Keeping track of them is as important as deciding where to invest. The account statement helps you do just that. Here's what you must check in your mutual fund account statement.
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| October 03, 2008 | | MFs, home loans, insurance & your tax
Do you want to know if your investment in a house, mutual fund, insurance or real estate taxable? How is tax calculated on your ESOPs?
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| September 30, 2008 | | How to start financial planning
Is there a particular age when you should think about having a financial plan? What are the requirements of making a good financial plan? Is it good to take help of a financial advisor? How to find a good financial advisor?
Why not to revolve on your credit card
In difficult times when you are short of means to pay for your credit card bills, paying minimum gives you a breather. However, it may not save you from finding a concrete solution for paying your credit card debt.
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| September 24, 2008 | | Is it the right time to buy a flat?
Are you planning to buy a flat in the near future? If yes, then should you wait for another 6-9 months given the global meltdown in financial markets?
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| September 12, 2008 | | Mutual funds you can buy now
Which are the best mutual funds to buy now? What should be your strategy now while buying mutual funds? Should you buy open-ended or close-ended funds?
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| September 01, 2008 | | How to utilise your mortgage loan
The home is a valuable asset that most home owners acquire over time. Trading it for cash with a mortgage can be a less expensive way to avail of a loan, but it should not be used lightly.
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| August 29, 2008 | | How the big funds invested in July
While every individual investor has her/his own investment idea it is nevertheless a good idea to know what the big boys (read Indian mutual funds) are doing. Here's what the Indian mutual funds bought and sold in the month of July.
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| August 28, 2008 | | Simple tips to become a crorepati
Is there a simple way to become a millionaire? How much should you invest every month to become a crorepati in 15-20 years?
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| August 26, 2008 | | All you should know about health insurance
Does health insurance cover pregnancy? Is there a medical cover for sexually transmitted diseases? Are there any insurance policies which take care of medical reimbursement for tax savings? Can you have two health insurance policies from different insurers? Is a floater policy better than individual policy?
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| August 18, 2008 | | Home loan EMI, credit card debt... Help!
What should you do if you have too many loans on you and you are unable to service them? Financial planning expert Vetapalem Sridhar has the answers.
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| August 11, 2008 | | 6 facts you should know about your home loan
What should you do in such a situation? Here are a few things that every home loan borrower must remember now that home loan rates are expected to increase further.
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| August 08, 2008 | | Gold is a good investment when inflation is high
Which is the best investment option when inflation is inching up? Should you put your money in gold, mutual funds or buy a house? How can buying a house help you in saving tax? Can you save tax by renting a property?
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| August 07, 2008 | | 10 things that money can't buy
Purchasing power ebbs and flows all the time, but there seem to be a few human longings that remain beyond it . Presenting the usual suspects...
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| August 04, 2008 | | Stressed with too many loans? Here's help
Consolidated debt fund is the answer for you if you are burdened with a whole lot of loan repayments from home loan EMIs to vehicle loans to credit card debt.
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| August 01, 2008 | | 'Should I invest in mutual funds or fixed deposits?'
Financial planning expert Vetapalem Sridhar, hosted a chat with GA readers on July 30 to discuss inflation, investment options and more. For those of you who missed the chat, here's the unedited transcript.
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| July 23, 2008 | | Follow the leaders. Invest like they did in June
The mutual fund industry in June invested in companies like Piramal Healthcare, Reliance Petroleum, IFCI and Ashok Leyland. Interestingly, there was not much redemption pressure on them despite the Sensex skidding by another 2,570 points in June.
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| July 10, 2008 | | 'Am young, can take risks: Where to invest?'
If you are young, willing to take risks and have a long-term investment horizon then this is the right time to invest in stocks and mutual funds says financial planning expert Vetapalem Sridhar.
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| July 01, 2008 | | Where did the Indian mutual fund industry invest in May?
The mutual fund industry in India is worth Rs 5.89 lakh crore at the end of May 2008. If you are an investor it is always sensible to know where this 5.89 lakh crore is invested to get a good idea as to where you should invest if you want to emulate the mutual fund industries.
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| June 30, 2008 | | Sensex, music and headphones
Investors need not worry about short-term volatility. Over the long term, equities offer the best returns. as per a study
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| June 24, 2008 | | How to beat inflation
How you can beat the monster and get good returns if you stay invested in equity linked mutual funds and gold for the long term.
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| June 21, 2008 | | Investing: Role of a wealth fund manager
A good wealth manager not only helps you in becoming a millionaire during your lifetime, but also contributes significantly to a life of happiness, prosperity and financial serenity.
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| June 17, 2008 | | How to make a litre of petrol go longer
The prices of petrol and diesel have been recently hiked and more can be expected in coming months. A few tips on how to make your litre of petrol go the distance.
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| June 10, 2008 | | Hybrid home loans: Are they for you?
Whenever you applied for a home loan the bank or their agents gave you two options: Fixed or floating. Now you can also opt for a mix of both.
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| June 09, 2008 | | How to cut costs: Yap less, eat less
While there is no end to bad news on the economic front you can still tighten that proverbial belt. Here are a few ways of cutting down your expenses.
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| May 30, 2008 | | How RBI policy impacts interest rates
The Reserve Bank of India (RBI), is in charge of monetary policy which has a big impact on liquidity and interest rates in the financial system. Let's look at some of the basics of monetary policy and how it impacts the average investor.
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| May 23, 2008 | | A red signal that tells you to stop borrowing
Debt to income ratio is a financial ratio that tells you when you have borrowed more money than you can repay. It's a like a red signal that tells you to stop borrowing.
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| May 16, 2008 | | Retirement planning: Why you must start early
If you are planning for your retirement it's important that you start early. The power of compounding will take care of the rest.
'I strongly prefer ELSS over ULIP'
Do you think equity linked saving schemes, ELSS, are a better option than unit linked insurance plans, ULIPs? What are the pros and cons of investing in both? Which scheme gives better returns in the long term?
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| May 15, 2008 | | 29 now and want to retire at 50? Here's how
Can mutual fund investments generate enough returns for you to reture early? What are the risks associated in mutual fund investments? Here is how to retire early in life and achieve financial freedom.
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| April 29, 2008 | | Shopping online? 5 tips for a safer experience
Online safety is critical, considering there was an estimated $2 billion of online commercial loss in 2006 due to safety concerns. Here's how to make sure you aren't falling prey to online fraudsters.
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| April 25, 2008 | | 'Can you please pay the bank dues, Sir?'
Do you think the 100-hour training and certificate course made mandatory by RBI for debt recovery agents sensitise them to the rights of borrowers? Will they stop using intimidating tactics to recover dues from defaulters? Will it lead to better debt collection practices? Tell us.
Sold your home? How much tax will you have to pay
Get Ahead Tax expert Mahesh Padmanabhan on short term and long term capital gain tax issues arising out of selling your old home and buying a new home.
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| April 18, 2008 | | Is your MF investment not giving good returns?
You have been investing in mutual funds for quite some time but the returns on your investment is not impressive? Should you sell those mutual funds that have not performed well and add a dash of new ones that are touted as good performers? Financial planning expert Vetapalem Sridhar runs you through the basics of MF investing.
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| April 17, 2008 | | Is there something wrong with your mutual fund portfolio?
Do you have too many tax saving mutual funds in your portfolio? Or have you got too many diversified equity mutual funds based on their market cap, theme, sector etc? Financial planning expert Vetapalem Sridhar runs a health check of your mutual fund portfolio.
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| April 15, 2008 | | Some basic facts you should know about inflation
Is the general increase in price rise affecting you? has your monthly budget gone for a toss? How are you coping with increase in prices of essential goods of daily use? Share your views with us.
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| April 14, 2008 | | Credit card balance transfer: Is it really attractive?
Have you ever transferred your credit card balance from one card issuer to another? What was the main purpose behind transferring your dues? Did the balance transfer serve your purpose? Does this facility help you in any way? If yes, then how? Share your views/plans with us.
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| April 11, 2008 | | Have YOU ever faced a financial emergency?
Have you ever faced a financial emergency? How did you cope with it? Are you in the habit of keeping aside a small amount every month for a financial emergency? How do you manage to do it? Do you have a plan to help young people build such a fund? Share your views/plans with us.
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| April 10, 2008 | | Home loan tax issues? Here's help
How do you claim tax benefits on your home loan amount? What if you have clubbed your income with that of your father to increase the loan eligibility? Get Ahead tax expert Mahesh Padmanabhan answered these and other tax related issues in a chat on April 9.
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| April 08, 2008 | | 'Bank FDs can get you reasonable returns'
Is it a good idea to invest in debt-oriented mutual funds as the interest rates are rising? Or is it a good idea to invest in fixed maturity plans? Financial expert Vetapalem Sridhar answered these and other queries relating to financial planning for the young.
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| March 28, 2008 | | Can gifting help you save tax?
Is it true that you can also save on your tax by gifting money to your parents? If yes, then what are the ways in which you can do so? Is there any maximum limit for gifting?
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| March 27, 2008 | | Getting unsolicited credit card offers? Here's help
Getting unsolicited offers from banks for credit cards, loans etc? Do you know what action can you take against erring banks? Here's what the Reserve Bank of India advices to customers harassed by such offers.
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| March 26, 2008 | | Want your money's worth? Check this out
Obtaining reliable information is the essence of a sound investment strategy and one of the most reliable suppliers of financial information in India is CRISIL or the Credit Rating and Information Services of India Limited.
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| March 25, 2008 | | Payment default: Lenders now know more about you
The Credit Information Bureau (India) Limited (CIBIL)can now generate a copy of your credit history and payment default reports at the click of a mouse. Borrowers will now have to tidy up their payment history.
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| March 24, 2008 | | Stock markets: Has history taught you anything?
Stock market history is proof enough that long term investors are the only players who make money and create wealth. But the question is: have they learned anything from their past experiences?
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| March 19, 2008 | | 'Emotions lead to irrational financial decisions'
What are the good mutual funds that you must buy for the long term? Are there any good mutual funds that will not only make money but help you save your tax? Get Ahead financial planning expert Vetapalem Sridhar has some answers.
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| March 18, 2008 | | No HRA? You can still claim tax benefits on rent paid
Do you know that you can claim tax benefits on rent paid even while housing rent allowance is not a part of your salary? Get Ahead Tax expert Mahesh Padmanabhan tells you how, how much and under which section you can claim tax benefits.
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| March 10, 2008 | | Indian stocks getting too risky? Invest abroad
If you are the one who finds investing in Indian stocks too risky in the current scenario then you can as well invest your money in international markets now. Here's how.
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| March 07, 2008 | | Safe mutual funds for the long term
In a chat with Get Ahead readers financial planning expert Vetapalem Sridhar tells them about the mutual funds for the long term and why they should remain invested for at least five years.
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| March 03, 2008 | | Want to lighten your tax burden? Here's help
If you want to do some last-minute tax saving trick then here's some advice from Lokesh Nathany, national head (Wealth management & portfolio management services) at Almondz Global Securities.
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| February 26, 2008 | | In bad times investors flock to mutual funds
In recent times small investors are putting their money into mutual funds rather than in initial public offerings or investing directly in the stock markets due to market volatility.
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| February 25, 2008 | | How to achieve your financial goals
There are three essential elements to achieve your financial goals. If you stick to these you can easily achieve your financial goals in a set time frame.
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| February 18, 2008 | | 'Don't panic! Invest with a long-term horizon in MFs'
V Ramesh, CEO, Prabhudas Lilladher Financial Services, believes that investors with a long-term investment horizon in mutual funds should not panic as they can still make profits irrespective of the stock market volatility.
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| February 15, 2008 | | How to avail of HRA and home loan benefits
In a chat with readers Get Ahead tax expert Mahesh Padmanabhan advised them on how to claim tax deduction on HRA and home loans taken by salaried employees.
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| February 13, 2008 | | Buy low, sell high to make money in stocks
Making money in the stock markets is very easy indeed provided you have discipline and patience. Here's how you can buy low and sell high to make money in the markets.
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| February 11, 2008 | | Top 10 ELSS funds: Save tax, make money
Equity linked saving schemes not only help you save tax but also give decent returns. Here's the list of top 10 ELSS funds for the year ending February 8, 2008.
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| February 07, 2008 | | Mutual funds you can hold for the long term
Financial planning expert Vetapalem Sridhar gives tips on how to invest in good mutual funds for the long term and how to plan for an early retirement to Get Ahead readers.
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| January 31, 2008 | | Read this before you join the IPO rush
Initial public offerings and the profits made from it has been a hot topic of discussion in recent weeks. Here's a look at what you must know before applying for that 'hot' IPO.
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| January 23, 2008 | | 'Time, tide and stocks wait for no one'
Young investors speak about their experience in the recent market crash. They, it seems, remain undaunted and want to put more money into stocks going ahead.
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| January 18, 2008 | | Expert speak: Tips to invest in mutual funds
The stock markets are going down and investing directly in stocks has become risky. While mutual funds help you minimise risks you should know a few things about them before investing. Here are a few tips on how to invest in mutual funds.
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| January 17, 2008 | | My worst financial mistake in 2007
We asked you to send in your experiences about the mistakes you made in 2007 and how do you plan to make 2008 a financial success. Here, a Get Ahead reader who wants to remain anonymous, shares his insurance woes.
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| January 11, 2008 | | Can co-owners get tax benefit on home loans?
If you have bought a home along with your family members as co-owners then can they avail of the tax benefit on interest paid? Tax expert Mahesh Padmanabhan answered tax related queries in a chat with Getahead readers on January 9.
Kaun banega crorepati? You can!
We asked you to send in your experiences about the mistakes you made in 2007 and how do you plan to make 2008 a financial success. Here we present a strategy by Bengalooru reader Mahitosh Patankar, telling us how you can make money using the magic of power of compounding and by the virtue of patience.
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| January 08, 2008 | | 'How I make money by taking loans'
We asked you to send in your experiences about the mistakes you made in 2007 and how do you plan to make 2008 a financial success. Here, we present a strategy by Pune reader Anand K telling us how he makes money from the stock market by taking personal loans.
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| January 02, 2008 | | Do you know how to make 2008 a financial success?
Perhaps you made some bad investment decisions in 2007 and lost a great deal of money. Perhaps your wise words on how not to make bad investments can help others save and make a great deal of money.
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