Are Financial Independence and Early Retirement two opposite ideas? Vatsal...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
The choice of tax regime dictates how your income will be taxed. If you don't...
FMPs remain an option for investors who believe interest rates could head...
This is a good opportunity for long-term investors to pick quality small and...
A portfolio can be rebalanced by either selling a portion of the...
'Young investors with limited funds should ensure that investing in NPS does...
Investors should use a mix of active and passive funds.
If you fail to make the lump sum deposit before April 5, do so at least...
Don't solely focus on tax-saving alone.
rediffGURU Samkit Maniar answers readers' personal income tax queries.
If the gift is received from a relative, there is no tax implication. But if...
Tactical investors should have an investment horizon of around six months to...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
From April 1, when we buy insurance for a car or take out a health cover,...
'Liquid ETFs help in cash management by enabling a smooth transition between...
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd)...
Investors must adopt a balanced approach, incorporating both styles in their...
Do not shop around for loans immediately after getting a secured credit card....
rediffGURU Jinal Mehta answers readers' financial planning and health...
Customers who possess gold jewellery but are either being denied a personal...
LTA can be claimed only for domestic travel and is available for two journeys...
In numerous instances, family members are unaware of an insurance policy's...
An individual can avail tax deduction on the amount spent during the year on...
rediffGURU Samkit Maniar answers readers' personal income tax queries
As a prudent investor who wants to create a portfolio that will help you...
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd)...
An allocation to ESG theme funds can bring down the overall risk of an equity...
Among index funds, the most popular products are funds tracking the Nifty 50...
Those who cannot bear significant downturns (as much as 40 per cent) or have...
'If equities perform well in a year, withdraw money from equities. If the...
Taxpayers with old, outstanding taxes will benefit from the CBDT's new scheme.
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
The need for money among banks, especially for short-term funds, may turn...
Here are some golden nuggets when it comes to creating wealth. Read them and...
Understanding tax residency rules and maintaining proper documentation is...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Municipal corporations penalise late property tax payments. 'Penalties can...
Make financial planning a part of your education and definitely a part of...
Borrowing from a fraudulent loan app subjects the borrower to a variety of...
Inspired from a real life incident, this is the story of how Aarti buckled...
'Clients deemed higher-risk are required to update their KYC more frequently.'
While near-term performance is difficult to predict after a huge run-up, fund...
'It makes sense to have gold in one's portfolio keeping the political and...
If investing in Bitcoin, adopt a three to five-year horizon and invest...
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
rediffGURU Samkit Maniar answers readers' personal income tax queries
'The barbell strategy says that the best way to strike a balance between risk...
Get a new QR code from an alternative provider. PhonePe, Google Pay, Pine...
What many don't realise is that including their spouse and children in their...
Since MAAFs invest across multiple asset classes, they offer diversification.
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
'Your decisions should not be driven by your view on the market, but by your...
While tenants can't escape the impact of rising rentals entirely, they can...
A new schedule has been added to report income from cryptocurrencies and...
If you're a beginner eager to embark on wealth-building journey in the real...
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd)...
Enhancing your credit score is the key to improving loan eligibility and...
Shaadi or the stock market? Find your dream partner (and millions) with this...
A prudent guideline for self-employed individuals is to target at least 10 to...
A lot depends upon the crucial decision-making skills of the management. If...
rediffGURU Jinal Mehta answers readers' financial planning and health...
If you are overweight on fixed-income instruments, go for ELSS, and vice versa.
Anamika Pareek answers five most frequently asked questions about investing...
Investors can sell a part of the stocks, mutual funds, exchange-traded funds,...
rediffGURU Samkit Maniar answers readers' personal income tax queries
Regardless of market levels, invest in stocks and equity mutual funds in a...
One97 Communications Ltd (OCL), the parent firm of fintech major Paytm, has...
Once a quality stock has been bought, the next challenge is to hold on to it...
'We need to be far more careful given the fact that while this is group...
When you are under social, peer, parental, sibling, marital pressure to buy a...
rediffGURU Ulhas Joshi answers readers' mutual fund queries
Dear Finance Minister, We don't expect magic, just a little understanding and...
rediffGURU Vivek Lala answers your income tax and personal finance queries.
The challenge isn't in selling -- it's easy to sell when the market peaks....
A taxpayer paying rent to his/her spouse is entitled to claim HRA benefit...
Opinions vary, but fund managers remain bullish.
Break the chains of debt, invest in your future, and wave the flag of...
Those who want to invest should consider their risk appetite.Youngsters may...
The bulk of an investor's portfolio should be in shorter-duration funds of up...
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd)...
It is a good option for parents of girl children who want a debt product and...
Longer-tenure FDs generally give higher returns. Nonetheless, going for a...
'If taxpayers have not filed a belated ITR, they will be allowed to file an...
SIP top-ups are especially beneficial for young investors, who may start with...
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
These schemes are a good choice for investors contemplating a large...
'From a risk-return perspective, large-cap funds may generate...
'If rate cuts happen, bond yields will come down and investors will make...
Prashant A Bhonsle explains the tax benefits you can avail under Section 80E...
One can't run away from death so this is the time that YOU must create your...
Only the top 5 per cent profit makers account for 75 per cent of profits.
Active largecap funds, which have the toughest job in terms of outperforming...
What should investors do when markets hit an all-time high, and we have seen...
One common mistake investors commit during profit booking is not having a...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
For long-term financial security, millennials must not only provide social...
The rising market poses a dilemma for investors on whether to continue...
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd)...
The self-employed should invest in the National Pension System, a...
Ask rediffGURU Ulhas Joshi your mutual fund queries.
'Exit the car and call for your vehicle to be towed.'
'TMFs trump FMPs and FDs when it comes to investing in a high-duration product.'
'Planning for the transfer of assets to the next generation is an important...
Commodity investments can help you diversify your portfolio in asset classes...
Find out whether the fund is equity, debt, or hybrid oriented.'Understand the...
Dwaipayan Bose on how index funds play a key role in the diversification of...
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
Do you know what tax-loss harvesting is? Does it help you save tax?Financial...
While selecting a smallcap scheme, go with one that has a good track record...
Begin the year-end review by assessing whether your portfolios are on track...
rediffGURU Kirtan A Shah answers your personal finance queries.
Cyber insurance policies cover ransomware attacks and the ensuing damages,...
Decisions should not be based on feelings, such as optimism or pessimism...
Patience can be rewarding.'Post-listing, sanity often returns to valuations...
Policy owners need to avoid errors on their part to prevent claims from being...
rediffGURU Ulhas Joshi answers your mutual fund queries.
Understand the pros and cons of SGBs before rushing to invest in them based...
These plans are best suited for individuals with a lower risk appetite as...
It is important to understand how your salary influences your loan amount and...
rediffGURU Ulhas Joshi answers your mutual fund queries.
Nominations and addresses are of paramount importance in bank accounts,...
While financial planning is good for you, the process which a planner can put...
Investors may take a 5 to 10 per cent exposure to silver.'Have a long-term...
'Try to obtain a secured personal loan or credit card by offering some...
'Look not just at the interest rate but also the processing fee.'
rediffGURU Sunil Lala answers your MF-related queries.
If a 5% to 10% fall in the equity market gives you sleepless nights, you are...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Avoid relying on a bank RM for investment advice. Instead, approach a...
The amazing excuses given by people who don't invest their money abound, but...
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) will...
Anamika Pareek explains the advantages of investing in tax-saving options...
'It is the best avenue for investors who would like to take long-term...
'Check every SMS you get. Many people ignore them.''Remember if there is an...
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
Ultimately, the choice between no-cost EMI and BNPL depends on an...
When the subscriber reaches superannuation or the age of 60, 60 per cent of...
rediffGURU and financial planning expert Colonel Sanjeev Govila will answer...
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
'Use this money to build an emergency fund if you do not have one.'
Technical analysis can help you understand market trends so that you can make...
Investors looking for a fixed-income product that is free of credit risk may...
Samraat Jadhav, founder of Prosperity Wealth Adviser and a SEBI-registered...
'No human bias is involved as happens in active funds.'
'The stockbroker should have a good balance sheet to support its scale of...
Do you have financial planning queries? Ask rediffGURU Anil Rego.
An interesting imaginary conversation between Kirtan A Shah and an investor...
'Gold prices thrive on volatility and more so when the stock markets trend...
Is it a good idea to give Rs 1 crore to someone who promises you a return of...
According to the revised safe deposit locker agreement, a locker can be used...
Rebalance your portfolio in case it has become overweight on equities...
rediffGURU Vivek Lala answers your income tax and personal finance queries.
rediffGURU Ulhas Joshi recommends five factors you need to look at to...
For women, it is important to build an emergency fund and a financial...
Look at the sanctioned plan to know the exact carpet area you will get and...
SEBI has published data showing that more than 90 per cent of investors lose...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Cardiac patients whose proposals for a regular health insurance plan get...
Youngsters must remember education is their BIGGEST investment EVER: Their...
Choose a higher sum insured if you are going on a long trip, and if your age...
P V Subramanyam takes a hard look at the pros and cons of both options.
Buying term insurance is not a one-size-fits-all purchase. It requires some...
The Enforcement Directorate has arrested four persons including the MD of the...
Try to assess whether the broker has good knowledge of the prices prevailing...
Top golfer Gaganjeet Bhullar lodged a complaint against Emirates Airlines for...
Do you have financial planning queries? Ask rediffGURU Anil Rego.
Their downside is that the donor relinquishes all control over the...
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
Keep revising the sum insured at the time of renewal to keep it in line with...
Post your financial planning queries for rediffGURU and financial planning...
While the RBI's guidelines aim to streamline the loan closure process,...
I am increasingly seeing young people starting 25-year-SIPs; these kids will...
While managing their finances, individuals can make it a rule to seek advice...
Do you have financial planning queries? Ask rediffGURU Abhishek Dev.
Section 19(4) of the RERA Act entitles allottees to a refund if the developer...
Dwaipayan Bose highlights the similarities and contrasts between ETFs and...
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
If you disagree with the notice, be ready to explain.
rediffGURU Sunil Lala answers your MF-related queries.
Your awareness about the effect of the home loan tenure and EMI on your loan...
The impact of currency depreciation can also be mitigated by holding a...
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'You may opt for a longer minimum guaranteed tenure of 12-18 months. This...
If you have not yet filed an ITR for the 2022-2023 financial year, you can...
Employees who benefit from rent-free accommodation should pay heed to these...
While both institutions provide financial assistance, there are significant...
rediffGURU Mihir Tanna answers your income tax queries.
Dwaipayan Bose examines the seven important factors that investors about...
rediffGURU Hemant Bokil answers your personal finance queries
'Most young taxpayers prefer income tax filing to be flexible yet...
Do you have financial planning queries? Ask rediffGURU Anil Rego.
rediffGURU Ulhas Joshi suggests considering small-cap, mid-cap, and multi-cap...
'Building a credit history is a gradual process that requires at least 6-12...
Do you have financial planning queries? Ask rediffGURU Kirtan A Shah.
While managing rising EMIs can be challenging, the right strategy can help...
rediffGURU Nikunj Saraf suggests considering small-cap, mid-cap, and...
Fund managers often find themselves selling bonds at prices below their fair...
Through a revised return, you can make changes to your ITR and even end up...
Personal loans offer more flexibility in usage but may come with higher...
Missing the deadline for filing Income Tax returns can lead to consequences.
Keep track of your foreign remittances to avoid giving incorrect declarations...
'MFs have a combined exposure of Rs 3.2 lakh crore to NBFCs, out of which Rs...
The purpose, behind slashing property tax on small commercial establishments...
Investment guru and mutual fund expert Ashok Kumar, answers all your MF...
As per the latest finance ministry data, the total balance in over 36.06...
It is just a question of providing an additional facility to the taxpayer...
'Why are FMPs used as a vehicle for promoter funding against listed shares?'...
Only Rs 10,720 crore of the junked currency notes did not return to the...
The finance minister is likely to announce the government's vision for a...
Debt funds have exposure of nearly Rs 8,000 crore to Zee group papers. Aditya...
Continue to invest normally unless prices fall drastically in April-May.If...
Five to six issues may hit the market if Chalet Hotels's IPO is successful...
The government is expected to dole out some populist policies, especially for...
'Historically, the lead-up to a general election tends to be excessively...
'In many parts of the country, the empty nest-and-empty-nest egg story is a...
Investors should consider debt mutual funds, banks fixed deposits or...
Tokenisation acts as an additional layer of security as it masks sensitive...
During the fourth quarter (January-March), banks step up the activity to meet...
'The probability of another negative year in 2019 is low.'
'This is the first time we will see how SIP investors react to market...
MFs have benefited from a shift to financial assets from physical assets like...
About 24 fund houses saw a decline in their debt AUMs in the past one year.
Customers using mobile wallets, prepaid payments cards, and paper vouchers...
The upcoming general elections will be the focus and the economy and market...
Chances of staying true to your goals tend to be high when you don't lose...
The EPFO is now developing a software that will help show retirement savings...
From its all-time peak of 38,989.65 scaled on August 29 this year, the Sensex...
'The first half of 2019 could be volatile.''In the second half, volatility...
2018 has been a disappointing and highly volatile year for equity investors.
'2018 has seen a bi-polar market.''Thanks to gains in some key stocks, market...
'From a retail investor's perspective, therefore, it is essential not to get...
The markets are in meltdown.Time then to turn to the Master Investor for...
Overall, in the last five straight sessions, the index has lost nearly 1,129...
'The RBI can make a change in EMI the default option, when interest rates...
What are FMPs and should you invest in them?
Limit your investment in cryptocurrencies and make sure you have current...
Their vision, leadership and team spirit on the game will help you run your...
Health insurance expert Anil Rego in an online chat with readers answers...
Mahavir Chopra tells you what to check before you choose a diabetes insurance...
'My sense is that we should be braced for a correction.''It has already begun...
The tax computation compares the original cost, along with the stock value on...
It is too early to judge if the fall in Nifty from an all-time high of 11,170...
Indian exchanges see spurt in volumes due to the entry of newcomers to the trade
Wealth may drive your relationship preferences says study.
Nifty could fall to 9,500 levels; not a good time to bottom fish, say experts
Stick to export-focussed plays, large-caps, say analysts
Jim Rogers, chairman of Rogers Holdings, tells Puneet Wadhwa that the US bond...
The benchmark Sensex companies' underlying earnings per share are down 3 per...
If an equity share is purchased before January 31, 2018, at Rs 100 and the...
The move will primarily impact luxury car companies like Mercedes Benz, BMW,...
'The introduction of a tax on LTCG will be a deterrent for foreign investors...
Decoding four important provisions in the Finance Bill 2018.
'It is only fear and speculation, without much substance, that has led to the...
The model is now being worked out between NITI Aayog and health ministry, he...
The market players were expecting that if long-term gains are taxed, the STT...
According to Parizad Sirwalla, partner (tax), KPMG, the withdrawal of annual...
'The only good thing is people will not be required to maintain their medical...
Jaitley's fifth Budget has provided little relief to the middle class.
Many imported things became costlier as Finance Minister Arun Jaitley on...
Sentiments may get impacted as mutual funds have been gaining traction among...
Jaitley said returns from the stock market are quite attracting and it was...
...for others it would be an incentive to participate more robustly in...
Last week, the country's leading exchange, Zebpay, launched trading in...
CEOs expect populist measures in the Budget, to help the poor and...
Keki Mistry, vice chairman and CEO, HDFC tells Joydeep Ghosh and Chirag Madia...
Motilal Oswal, chairman and managing director, Motilal Oswal Financial...
The index that tracked 20 key international markets in Asia, recorded 0.6 per...
The provisions in the FRDI bill do not modify current protections for...
From Alto to Audi, get car discounts of up to Rs 900,000
'A subscriber will know exactly how much of his money is in debt and how much...
Ring fence your family's assets with a trust as this ensures fewer disputes,...
The bench, headed by Justice Patil, however, allowed a significant leeway for...
A little over 80 per cent of the orders placed on domestic stock markets are...
Read the fine print carefully lest your claim gets rejected, advises Tarun...
Earnings spread for foreign investors down to 10-year low of 1.1 per cent,...
Retail investors may burn their fingers investing in them, especially if the...
Will the Financial Resolution and Deposit Insurance Bill endanger our bank...
ETFs may be an option if you are considering only large-cap funds, experts...
K Ramalingam offers important tips for a successful meeting
The decline is attributed to lower salary growth and a rise in households'...
The new interest rates will be effective from August 19 and will be...
'It is almost four years since we've seen strong growth in earnings.''The...
The benchmark indices fell as Sebi cracked down on 331 suspected shell...
Due to unavoidable circumstances, Kishore Singh is forced to become an Uber...
A consumer wins a case against a financial company for selling him a car...
You can exit Ulips after five years.
'A lot of people -- whether farmers, students or businessmen -- think when...
These consistent performers are expected to maintain momentum.
Priya Nair tells you how you can use technology to invest better and maximise...
You would find NBFCs more willing to lend even if you have a poor credit...
A salaried individual needs to file returns as a business owner if s/he has a...
Stock clearing to rain discounts on consumers in June ahead of GST rollout.
From a jute company to a paper mill to a pharma company, these companies seem...
When does it make sense and when does it not?
Under the new provision, an EPF subscriber being a member of a co-operative...
Infrastructure stocks are once again gaining traction.
Tax wing scanning cash deposits between Rs 5-10 lakh
'Debt mutual funds are a good option now because interest rates are coming...
The Public Provident Fund is one of the safest and convenient modes of...
A rightly chosen ULIP can be a competitive investment, but the investor needs...
With at least three IPOs in the offing this year, stock market investors have...
If you quit or change jobs in your 40s, buying an individual term plan will...
The average home prices in Mumbai have touched Rs 12,000 per sq ft
Known for stable returns, near debt-free status and dividend track record,...
'If I had to highlight one area that will do well, it is the financial assets...
Lenders now use your phone data, utility bill payment records and other...
Electricity has also been kept out of the GST ambit.
Now that the National Pension Scheme offers more choices than the Employees...
It goes without saying that the best performers are in the private sector,...
Wonder why corporate India is showering dividends?
If you love what you do, wealth, power and fame will automatically follow.
Given that the ETF has given exceptional returns over the past year, start...
Given that some reputed builders are also present in this segment and the...
References to the stock market occur in popular discourse only when the...
While gold returned 12 per cent annual gain in 10 years, Nifty didn't exceed...
With this, total inflows have reached Rs 3.98 lakh crore in the first 11...
Earlier, while presenting the Budget on February 1, Finance Minister Arun...
Sebi will e-auction next month, 48 jewellery and ornaments of gold (3.21 kg)...
The assets in control of MFs soared to a record high of Rs 17.9 lakh crore...
From April 1, subscribers will be able to change investment option &...
The National Commission indicted LIC for working in cahoots with doctors for...
Unless companies press the pedal on implementation, further stock price gains...
They now believe their money will be repaid after completion of the tenure of...
The lower yield is better for property landlords as it indicates an...
At face value of Rs 2,893 and interest payout of 2.5 per cent, sovereign gold...
Dealers say foreign investors are now taking keen interest in lower-rated...
Saurabh Mukherjea, CEO, Ambit Capital, says he is advising clients to either...
GNPAs of public sector banks are now at a staggering 11.2 per cent of their...
SIPs keep MFs afloat as investors redeem Rs 1.3 lakh crore in one year
The total value of holdings of domestic institutional investors as a...
Flow surge in equity schemes is an important reason why Indian stock market...
In January 2017, the growth in total premium was Rs 13,138 crore, against Rs...
Once the Finance Bill 2017 is passed, jewellery will be treated on par with...
But, neither were the big companies interested in growing inorganically nor...
There were heightened expectations from Budget 2017 after the impact of note...
Earners in between Rs 50 lakh and Rs one crore will have to pay 10% surcharge
If there is turmoil in currencies, gold can shoot up sharply, says author of...
Real estate will prosper, small developers won't.
Experts say investors should stay patient and stay invested in mutual funds.
Irdai's push will make insurance cheaper for consumers and enable a...
A new CBDT directive actively makes India-dedicated funds comparatively...
Stocks such as ICICI Bank, Axis Bank, State Bank of India, Bank of Baroda and...
A combination of ELSS or PPF with a term plan offers better coverage and returns
The contraction in November this year is the second biggest fall in the...
Should the Income-Tax Act have been simultaneously amended to exclude Sikhs...
A teaser loan is one where the lender offers a slightly lower rate in the...
While office and mall properties enjoyed revival and saw some big PE deals,...
Effects of the new schemes launched under the Pradhan Mantri Awas Yojana...
At a time when the Modi government is attempting to push cashlessness with...
The country's largest lender, SBI, has reduced marginal cost of funds based...
Joydeep Ghosh takes stock of personal finances after the life-altering...
IT Department asks car dealers to furnish ledgers of all customers who have...
Looking for a way out, property developers deal in banned notes.
'Through the course of the year, we expect the economic weakness generated by...
When Taragauri Doshi's husband died, an assessing officer wanted to tax the...
Housing prices could drop by up to 30% over 6 to 12 months after...
The company raised $145 million (about Rs 1,000 crore) recently from...
Recurring natural calamities along the east coast, especially Vizag and...
Spread between earnings yield and bold yield lowest since 2013; dividend...
Jaitley said future transactions would be substantially digital as India...
Plan to lay off excess staff, trim salaries of top executives.
The government can seek details from sellers such as sources of funds while...
Speculation is rife that the Centre can take draconian steps such as...
TCS tops the list of 100 wealth creators for the fourth time in a row
'...and defensive until the global macro headwinds turn more benign.'
Five stocks - Havells, NCC, Suzlon, Blue Star and Crompton Greaves look most...
From discounts to hundred per cent financing to talks of a price hike,...
The Central Board of Direct Taxes has said the government has not introduced...