personal-finance

Borrowing On Gold? Mind the Trap

The RBI has flagged concerns over rising volatility in gold prices and...

NPS Changes: How to Use It Wisely

'Stay invested but progressively reduce risk. Beyond a point, the objective...

How to Invest Smartly in 2026

'Trading without strict position sizing, stop-loss discipline, or a clear...

'Trapped in Payday-Loan Debt! Help'

Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal...

How Will Midcap Funds Perform In 2026?

Fund managers advise conservative investors to cap midcap exposure at 10 to...

9 Countries With The Most Oil

Where are the most oil reserves in the world? Who owns them? Find out!

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How EPF Compounds But Inflation...

While EPF rewards patience and compounds your money, inflation decides how...

Don't Let Your Health Cover Fall Short

With medical inflation hovering at around 13-14 per cent annually,...

Want To Invest In Largecap Funds In 2026?

Largecap equity funds remain suitable for conservative and moderate...

Your EPF Can Fund Housing, Surgery, Education...

Your EPF isn't just a retirement pot. It's a financial safety net you can dip...

Why 80% Households Avoid Financial Risk

'It takes time and the experience of a few market cycles to develop awareness...

'Want To Retire At 47 With 5 Cr'

Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal...

Weaker Rupee: Plan Overseas Goals

Investors must account for currency depreciation in their financial plans and...

December 31: Last Chance To File ITR

Filing a belated return is far better than not filing at all.

Investing: How To Avoid Knee-Jerk Exits

Investors encountering underperformance must be patient.

Will Indians' reluctance to talk money derail NSO survey?

The NSO previously tried to collect household income data in its ninth...

Cashless Facility On Hold? How To Manage

To handle the sudden loss of cashless facility, patients should maintain an...

Rs 40K Salary Can Make You A Crorepati!

You don't need a six-figure salary to build wealth -- you need discipline and...

Your Everyday Tax Issues Explained

Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.

27% Bitcoin Slide: What Must Investors Do?

'Exiting during corrections tends to lock in losses. Patient investors have...

How EPF Protects Your Family After You

EPF doesn't just build your retirement fund -- it also provides free life...

EPF@8.25%: Is It Really Worth It?

Here's unlocking the real story behind your EPF's 8.25% interest and what it...

EPF Secrets Revealed: Where Your 12% Goes

Who pays what into EPF, EPS, and EDLI -- the 12% math explained.

Payslip To Pension To Long-Term Wealth: How EPF Works

A 10-part series that explains all you want to know about how India's EPF...

'I Own 18 Worthless Insurance Policies'

Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal...

Are You Insured Against Terrorism?

'Reviewing terms such as war, invasion, acts of foreign enemies or...

Want To Check Largecap Funds?

Largecap equities are less volatile than mid- and smallcap stocks, making...

How To Save Money Under New Tax Regime

Most think tax-saving deductions exist only in the old regime. But the New...

'How To Earn Maximum Monthly Income?'

Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal...

Why Is I-T Department Cracking Down On...

Do not panic on receiving a notice. Verify if your work falls under...

Algo Trading Begins With Stronger Risk Rules

Algo trading should be segregated in a separate account with only risk...

Time To Raise Health Insurance Cover

'Buy early and review the sum insured regularly.''Combining individual or...

What Are Narrow Sectoral Funds?

'First-time or conservative investors should avoid narrow sectoral funds.'

Invest Rs 1L SIP, Retire Rich by 45

Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal...

Return Rs 1 Lakh Crore, FM Tells Banks!

Given that a sizeable part of this money is part of the coveted current...

Want To Invest In Credit Risk Funds? Read This

'Investing in these funds makes sense if their net yield over better-quality...

Save First, Spend Later

Young earners with high incomes and few responsibilities can save more than...

Banks Offer More Flexibility In Nominees

Beginning November 1, 2025, bank customers can name up to four nominees for...

How To Build a Flexible Health Fund

'Having a separate healthcare corpus is extremely important even for those...

'I'm In A Debt Trap. Help!'

Ask rediffGURU Reetika Sharma your insurance mutual fund and personal...

MFs Vs PMS: What Fits Your Portfolio?

MFs offer scale, simplicity, liquidity, and tax efficiency, and are an...

Put money in deals as M&A financing opens up

Last fortnight, State Bank of India Chairman C S Setty lifted the veil on a...

Why SIP Beats EMI in the Long Run

EMI means you've already spent tomorrow's income; SIP means you're investing...

Invest in Gold ETF Or Fund-Of-Funds?

'Allocating 5 to 10 per cent of one's portfolio and staying disciplined...

All You Want To Know About EPF Withdrawals

The 100 per cent withdrawal provision and the 25 per cent minimum balance...

Don't Die Without A Will! Here's Why

Protect your hard-earned wealth with a will -- halt family rifts and secure...

0% GST On Health Insurance: Will You Benefit?

Reduction of GST on health insurance premium from 18% to 0% looks like a...

Why Hospitals Are Spending Money On IT

60 per cent of hospitals are directing investments towards IT capability...

Your EPF Can Fund Housing, Surgery, Education...

Your EPF isn't just a retirement pot. It's a financial safety net you can dip...

Why 80% Households Avoid Financial Risk

'It takes time and the experience of a few market cycles to develop awareness...

'Want To Retire At 47 With 5 Cr'

Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal...

Will Indians' reluctance to talk money derail NSO survey?

The NSO previously tried to collect household income data in its ninth...

Cashless Facility On Hold? How To Manage

To handle the sudden loss of cashless facility, patients should maintain an...

Rs 40K Salary Can Make You A Crorepati!

You don't need a six-figure salary to build wealth -- you need discipline and...

EPF@8.25%: Is It Really Worth It?

Here's unlocking the real story behind your EPF's 8.25% interest and what it...

EPF Secrets Revealed: Where Your 12% Goes

Who pays what into EPF, EPS, and EDLI -- the 12% math explained.

Payslip To Pension To Long-Term Wealth: How EPF Works

A 10-part series that explains all you want to know about how India's EPF...

How To Save Money Under New Tax Regime

Most think tax-saving deductions exist only in the old regime. But the New...

'How To Earn Maximum Monthly Income?'

Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal...

Why Is I-T Department Cracking Down On...

Do not panic on receiving a notice. Verify if your work falls under...

Invest Rs 1L SIP, Retire Rich by 45

Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal...

Return Rs 1 Lakh Crore, FM Tells Banks!

Given that a sizeable part of this money is part of the coveted current...

Want To Invest In Credit Risk Funds? Read This

'Investing in these funds makes sense if their net yield over better-quality...

'I'm In A Debt Trap. Help!'

Ask rediffGURU Reetika Sharma your insurance mutual fund and personal...

MFs Vs PMS: What Fits Your Portfolio?

MFs offer scale, simplicity, liquidity, and tax efficiency, and are an...

Put money in deals as M&A financing opens up

Last fortnight, State Bank of India Chairman C S Setty lifted the veil on a...

Don't Die Without A Will! Here's Why

Protect your hard-earned wealth with a will -- halt family rifts and secure...

0% GST On Health Insurance: Will You Benefit?

Reduction of GST on health insurance premium from 18% to 0% looks like a...

Why Hospitals Are Spending Money On IT

60 per cent of hospitals are directing investments towards IT capability...