A single security lapse could lead to complete wipe out of your crypto assets in...

Let's explore three different ways to reach the Rs 100-crore mark, each taking...

Returns of liquid funds are meant only for the short term and don't help investors...

Cardiac care plans are ideal for individuals with pre-existing heart conditions or a...

Only investors with knowledge of cryptocurrencies, long-term conviction, and a long...

'They take care of the problem: How can I ensure my child's education and other goals...

'Arbitrage funds make the most sense for those in the 30 per cent tax bracket, are...

If you already hold significant amounts of equity in your portfolio, avoid MAAFs with...

Investors should match their investment horizon with the fund's portfolio duration.

'Investors with foreign currency-denominated goals, such as foreign education or...

'A dynamic bond fund acts like a gilt fund in a rate cut scenario and like a...

'Ensure that all property-related documents are up-to-date.''Relying on outdated...

'A long-term investor with a 4 to 5 year horizon could invest in this theme via SIPs.'

'Assess the property in terms of type, size, location and price point, and whether it...

Let's Make Savings As Exciting As Spending. This World Savings Day, rediffGURUS Nitin...

The best way to achieve financial security isn't by cutting out every vada pav or...

Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and...

MNC funds invest in companies where foreign promoters have more than 50 per cent...

'Value index funds are most appropriate for long-term investors who can withstand...

If you lack an emergency fund or it is depleted, use part of your bonus to build or...

'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall...

'Allocate up to 20 per cent of your core equity portfolio to quality funds.'

'Investors with a long-term investment horizon and the risk appetite for fluctuations...

'A 20 per cent equity allocation to ESG funds is a good start.''As more evidence on ESG...

For those looking for more affordable options, purchasing an under-construction...

'Young investors should focus more on equity, while retired senior citizens should...

Self-employed individuals often face hurdles in buying term insurance due to financial...

While festive offers can reduce costs, borrowers should also consider the lender's...

Imagine transforming a modest Rs 10,000 monthly investment into a steady Rs 1 lakh...

F&O trading is a zero-sum game where one person's loss is another's gain.Only one...

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

'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture during...

Investors need to carefully assess country-specific risks.'This is especially true of a...

From how to open an NPS Vatsalya account to knowing how this scheme compares to...

rediffGURU T S Khurana answers readers' personal income tax queries.

'Credit card debt comes with high interest cost and stringent penalties.''If you do not...

'Many do not have robust business models, and their prospects of survival and long-term...

'Choose an equity allocation that will allow you to remain invested even if the market...

rediffGURU Samkit Maniar answers readers' personal income tax queries.

If you don't make the necessary adjustments after October 1, 2024, you'll stop earning...

'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising...

Equity-focused schemes may perform better in a bull market, while debt-oriented ones...

Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and...

Have you wondered how many days of work -- depending on your net monthly income -- you...

While SGBs are a sound investment, they aren't worth buying at any price.The interest...

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

Experts say you should be certain of living in a city and locality for a long time...

When evaluating bonds, returns shouldn't be the sole factor.Pay close attention to the...

Customers frequently sign without reading the terms and conditions, resulting in a poor...

Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.

Lord Ganesha's teachings offer valuable insights for investors in the Indian stock...

'Any earnings, regardless of location, will be subject to Indian income tax.'

IPOs inherently carry more risks than stocks that have been listed on the exchanges for...

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

'The PAYD model adjusts the premium based on your driving habits. If you drive less,...

'Splitting must result in tangible benefits for the customer, otherwise it will only...

Using mantras from the Bhagavad Gita, Vatsal Ramaiya explains how you can conquer your...

For Indian parents, sending a child abroad for a three-year degree could deplete 48% of...

'For those seeking regular income, these funds provide a steady stream of income...

'It's advisable not to go overboard on a banking sector fund or any other sector fund.'

'With tuition fees for international students rising, education loans have become...

Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.

'By investing in a basket of funds, FoFs can help minimise the impact of...

Switching to the UPS could be a game-changer for your retirement planning, especially...

Feature for feature, bank FDs are indeed better than debt funds today, mainly thanks to...

'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous...

Adopting overly aggressive strategies without considering risk could lead to...

Systematic Withdrawal Plan, or SWP, can help you achieve your financial goals....

Many senior citizens 'underestimate the impact of inflation, taxation, health-related...

Younger people, who usually have a longer investment horizon which allows them to...

Scammers sometimes misuse personal information collected during tax preparation,...

Follow this 15 x 15 x 15 rule to become a crorepati without taking big risks....

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

'Despite rising inflows, many NRIs lack awareness about NRO and NRE accounts and...

Only borrow an amount that can be repaid comfortably.The ratio of total EMI to...

rediffGURU T S Khurana answers readers' personal income tax queries

Are you ready to take control of your financial future? Ramalingam Kalirajan offers a...

Make minimum payments on all debts, then use extra funds to tackle the smallest debt...

'If their allocation to certain segments have become high due to strong returns over...

'In phases when smaller stocks do well, an equal-weight index performs better than its...

All investors should ideally have a 10 to 15 per cent allocation to gold.Whether they...

rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries

Do you have financial planning or income tax queries? Ask rediffGURU Anil Rego.

Submitting a late return helps you stay compliant with tax regulations and avoid legal...

'If the borrower can't repay the loan due to lack of income or losses from speculative...

'File all the supporting documents in response to the allegation since there is a...

To minimise risk, invest in a debt fund whose duration matches your investment timeframe.

'PPF carries minimal risk.''Its fixed-income nature allows investors to diversify their...

FDs are not advisable for long-term wealth creation as their post-inflation, post-tax...

A taxpayer who does not revise their return within the stipulated deadline would be...

rediffGURU T S Khurana answers readers' personal income tax queries.

'Earlier there was no provision for considering TCS collected from the taxpayer for...

People in full-time jobs should especially avoid intraday trading as it results in loss...

Most investors should have a 5% to 10% allocation to gold for diversification.They...

The National Commission ruled that the insurance policy is deemed to be automatically...

'Understand how wedding expenses fit into your overall financial situation.''Evaluate...

By following the path of Kula Dharma as mentioned in the Bhagavad Gita, you will not...

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

Investors with a long-term horizon and high-risk appetite seeking capital appreciation...

It is advisable to file your ITR right away and not rely on potential extensions.

rediffGURU Anil Rego answers readers' personal income tax queries.

Investors should view the increase in the LTCG tax rate in conjunction with the...

Follow these steps to avoid last-minute surprises while claiming your mediclaim -- via...

What is digital house arrest?It is a tactic cybercriminals use to confine victims to...

rediffGURU Samkit Maniar answers readers' personal income tax queries.

Rediff.com spoke to registered investment advisors to figure out how best the extra Rs...

Maintain a proper record of documents that can act as proof of the cost of acquisition...

The finance minister clarified that indexation benefits offered until April 1, 2001...

While the minimum holding period for LTCG taxation has now been lowered, the tax outgo...

There are a number of steps taken that will leave more money in the hands of the...

'The adjustments (of tax slabs and standard deduction) will reduce the tax burden for...

How does the Union Budget 2024-25 impact taxpayers, investors and traders?

'Compare the new slabs with the previous years to understand if your tax liability will...

Invest in MFs for liquidity and choice of funds.Invest in NPS for the tax benefits,...

In the case of double-income couples, not more than 40 per cent of the net income of...

Ramalingam Kalirajan dives into the specifics of NPS withdrawal rules to help you...

Investors keen on mid and smallcap stocks but wary of volatility should consider...

rediffGURU Dev Ashish answers your personal finance and mutual fund queries

'If an individual makes significant financial investments, she should stick to the old...

'We expect market consolidation and recommend buying during market dips.'

Follow these simple steps if you want to create a solid retirement corpus and retire...

Quant funds are a unique offering in the MF space as the investment decisions are...

rediffGURU Vivek Lala answers your income tax and personal finance queries.

MMFs invest in fixed-income instruments maturing in less than one year, minimising...

Building your Retirement Nidhi is your Karmayoga, ensuring a Golden Yug where you can...

rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries.

'It's better to be over-insured than underinsured.''Ensure your home insurance includes...

Are you a first-time IPO investor? Even if IPOs appear attractive with expectations of...

'Lack of self-control over spending leads to a credit card debt trap.''People think...

Keeping surplus money in a bank account has become perilous, alerts Harsh Roongta.

'A mid-year review makes the end-of-year financial review manageable and less stressful.'

It is essential to have a comprehensive motor policy, and not just a third-party cover,...

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

Make children realise that money is earned through hard work and used to buy necessary...

If the cashless request is denied, the entire cost may need to be paid for planned...

'An equity-based index fund should be held for more than five years to average out...

By taking the mutual fund route, investors can take exposure to gilts with small...

Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your...

'If the portfolio growth rate is higher, take this loan. If it is lower, liquidate your...

rediffGURU Samkit Maniar answers readers' personal income tax queries.

'Investors should not go for lump-sum investments in infrastructure funds at this...

'If you are investing in a Ulip for returns, go for a type I Ulip.''If you are...

rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries

The Bhagavad Gita reminds us that true peace comes not from the absence of problems,...

'Filing a nil ITR serves as a formal declaration to the tax authorities that your...

Not filing an ITR or paying the tax dues on the deceased's behalf can lead to penal...

Purchase health insurance at an early age, before you incur a disease, as this makes...

The National Commission noted that if the policyholder wanted reinstatement, he should...

Vatsal Ramaiya draws wisdom from the Bhagvad Gita to explain how to conquer your debts...

'Those trying to use these funds for quick gains should avoid them due to risk of being...

Long-term investors should never stop their SIPs during market corrections.

Do not get repair work started without informing the insurer as the latter like to...

Ask tax gurus Mihir Tanna, Samkit Maniar, Vivek Lala, Anil Rego and Mahesh Padmanabhan...

'Save the entire chain of e-mail exchanges so that you have documented evidence to show...

In its master circular on general insurance products, which takes immediate effect,...

Many seniors mistakenly believe they need not file returns if tax is deducted at source...

Form 16 contains details of salary income, deductions, and exemptions.

Vatsal Ramaiya draws wisdom from the Bhagvad Gita and correlates it to how you can...

National Commission concluded that false and baseless allegations had been made in the...

'Some buyers believe prices may correct in the future.''This is unlikely. Many...

rediffGURU Vivek Lala answers your income tax and personal finance queries.

Ramalingam Kalirajan explains the pros and cons of both investment types.

If gratuity is not paid within 30 days of termination, the employer must pay interest...

Discrepancies between Form 26AS and Form 16 can lead to an inquiry by the I-T department.

Health insurance policy-holders will be able to avail a discount on the premium payable...

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

P V Subramanyam clears some misconceptions about debt funds.

Build a portfolio diversified across market caps, investment styles, and geographies.

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

These funds at times invest in companies going through corporate restructuring, such as...

rediffGURU Samkit Maniar answers readers' personal income tax queries.

Do not, however, enter expecting quick returns.

Do not keep a large portion of your long-term portfolio in FDs.

Income Tax department have released different tools to help you file your ITR-3 form...

Continuing our series on how to achieve Financial Independence and Retire Rarly (FIRE),...

Income Tax department's online tool empowers you to verify any notice or order you...

Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your...

A retirement fund can be helpful for all age groups, but ideally one should start...

A rider is a supplementary cover which can be purchased with the base policy by paying...

Dwaipayan Bose simplifies the whys and hows of revisiting your financial goals

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

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

'Tax is not required to be deducted from specified payments if a recipient files a...

Streedhan refers to gifts, money or property that a woman receives before her marriage,...

A crucial point anyone purchasing health insurance must heed is the need to declare PEDs.

Early retirement is not just about money and calculators. It is more about...

rediffGURU Sunil Lala answers your personal finance-related queries.

Only investors with a higher risk appetite should enter these funds.

Health insurance coverage should be hiked periodically to keep pace with medical...

The home loan top-up, a kind of secured multipurpose personal loan, is on the...

'Avoid rushing into any financial transactions or disclosing personal information.'

The State Commission concluded the insurer could not take advantage of a typographical...

rediffGURU Dev Ashish answers your personal finance and mutual fund queries.

Gold is an excellent asset class for diversification and should be included in all...

Taxpayers seeking to save tax from the sale of gold (including inherited) should...

'Investing abroad helps mitigate currency risk for foreign-currency denominated goals,...

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your...

Are Financial Independence and Early Retirement two opposite ideas? Vatsal Ramaiya...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

The choice of tax regime dictates how your income will be taxed. If you don't make the...

FMPs remain an option for investors who believe interest rates could head downward over...

This is a good opportunity for long-term investors to pick quality small and midcap...

A portfolio can be rebalanced by either selling a portion of the outperforming asset...

'Young investors with limited funds should ensure that investing in NPS does not crowd...

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 before the 5th...

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 the gift...

Tactical investors should have an investment horizon of around six months to one year,...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

From April 1, when we buy insurance for a car or take out a health cover, insurance...

'Liquid ETFs help in cash management by enabling a smooth transition between equity and...

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your...

Investors must adopt a balanced approach, incorporating both styles in their portfolios.

Do not shop around for loans immediately after getting a secured credit card. Such loan...

rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries

Customers who possess gold jewellery but are either being denied a personal loan or are...

LTA can be claimed only for domestic travel and is available for two journeys within a...

In numerous instances, family members are unaware of an insurance policy's existence,...

An individual can avail tax deduction on the amount spent during the year on a deferred...

rediffGURU Samkit Maniar answers readers' personal income tax queries

As a prudent investor who wants to create a portfolio that will help you achieve your...

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your...

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 and...

Those who cannot bear significant downturns (as much as 40 per cent) or have a short...

'If equities perform well in a year, withdraw money from equities. If the equity market...

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.

Here are some golden nuggets when it comes to creating wealth. Read them and if you...

Understanding tax residency rules and maintaining proper documentation is imperative to...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

Municipal corporations penalise late property tax payments. 'Penalties can include...

Make financial planning a part of your education and definitely a part of your...

Borrowing from a fraudulent loan app subjects the borrower to a variety of risks.

Inspired from a real life incident, this is the story of how Aarti buckled herself up...

'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 managers...

'It makes sense to have gold in one's portfolio keeping the political and economic...

If investing in Bitcoin, adopt a three to five-year horizon and invest systematically...

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 and...

Get a new QR code from an alternative provider. PhonePe, Google Pay, Pine Labs, etc are...

What many don't realise is that including their spouse and children in their tax...

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 adopt a few...

A new schedule has been added to report income from cryptocurrencies and other Virtual...

If you're a beginner eager to embark on wealth-building journey in the real estate...

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your...

Enhancing your credit score is the key to improving loan eligibility and securing a...

Shaadi or the stock market? Find your dream partner (and millions) with this simple...

A prudent guideline for self-employed individuals is to target at least 10 to 15 times...

A lot depends upon the crucial decision-making skills of the management. If you have...

rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries

If you are overweight on fixed-income instruments, go for ELSS, and vice versa.

Anamika Pareek answers five most frequently asked questions about investing in silver ETFs

Investors can sell a part of the stocks, mutual funds, exchange-traded funds, and other...

rediffGURU Samkit Maniar answers readers' personal income tax queries

Regardless of market levels, invest in stocks and equity mutual funds in a staggered...

Once a quality stock has been bought, the next challenge is to hold on to it -- no mean...

When you are under social, peer, parental, sibling, marital pressure to buy a house...

rediffGURU Ulhas Joshi answers readers' mutual fund queries

Dear Finance Minister, We don't expect magic, just a little understanding and some tax...

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. The real...

A taxpayer paying rent to his/her spouse is entitled to claim HRA benefit under...

Opinions vary, but fund managers remain bullish.

Break the chains of debt, invest in your future, and wave the flag of financial...

Those who want to invest should consider their risk appetite.Youngsters may go for it...

The bulk of an investor's portfolio should be in shorter-duration funds of up to one...

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your...

It is a good option for parents of girl children who want a debt product and do not...

Longer-tenure FDs generally give higher returns. Nonetheless, going for a tenure higher...

'If taxpayers have not filed a belated ITR, they will be allowed to file an updated ITR...

SIP top-ups are especially beneficial for young investors, who may start with a small...

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

These schemes are a good choice for investors contemplating a large investment in...

'From a risk-return perspective, large-cap funds may generate lower-than-historical...

'If rate cuts happen, bond yields will come down and investors will make mark-to-market...

Prashant A Bhonsle explains the tax benefits you can avail under Section 80E of the...

One can't run away from death so this is the time that YOU must create your own death...

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 the...

What should investors do when markets hit an all-time high, and we have seen five new...

One common mistake investors commit during profit booking is not having a plan for the...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

For long-term financial security, millennials must not only provide social security for...

The rising market poses a dilemma for investors on whether to continue buying, reduce...

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your...

The self-employed should invest in the National Pension System, a government-backed,...

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 aspect of...

Commodity investments can help you diversify your portfolio in asset classes other than...

Find out whether the fund is equity, debt, or hybrid oriented.'Understand the portfolio...

Dwaipayan Bose on how index funds play a key role in the diversification of portfolios...

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 planning...

While selecting a smallcap scheme, go with one that has a good track record and a...

Begin the year-end review by assessing whether your portfolios are on track to achieve...

rediffGURU Kirtan A Shah answers your personal finance queries.

Cyber insurance policies cover ransomware attacks and the ensuing damages, including...

Decisions should not be based on feelings, such as optimism or pessimism about the...

Patience can be rewarding.'Post-listing, sanity often returns to valuations of...

Policy owners need to avoid errors on their part to prevent claims from being denied.

rediffGURU Ulhas Joshi answers your mutual fund queries.

Understand the pros and cons of SGBs before rushing to invest in them based on past...

These plans are best suited for individuals with a lower risk appetite as they provide...

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, insurance...

While financial planning is good for you, the process which a planner can put you...

Investors may take a 5 to 10 per cent exposure to silver.'Have a long-term investment...

'Try to obtain a secured personal loan or credit card by offering some collateral, such...

'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 not cut...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

Avoid relying on a bank RM for investment advice. Instead, approach a Sebi-registered...

The amazing excuses given by people who don't invest their money abound, but you would...

rediffGURU Dev Ashish answers your personal finance and mutual fund queries.

rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) will answer your...

Anamika Pareek explains the advantages of investing in tax-saving options like the...

'It is the best avenue for investors who would like to take long-term exposure to gold.'

'Check every SMS you get. Many people ignore them.''Remember if there is an activity in...

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

Ultimately, the choice between no-cost EMI and BNPL depends on an individual's...

When the subscriber reaches superannuation or the age of 60, 60 per cent of the total...

rediffGURU and financial planning expert Colonel Sanjeev Govila will answer your...

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 informed...

Investors looking for a fixed-income product that is free of credit risk may invest in...

Samraat Jadhav, founder of Prosperity Wealth Adviser and a SEBI-registered investment...

'No human bias is involved as happens in active funds.'

'The stockbroker should have a good balance sheet to support its scale of operations....

Do you have financial planning queries? Ask rediffGURU Anil Rego.

An interesting imaginary conversation between Kirtan A Shah and an investor about how...

'Gold prices thrive on volatility and more so when the stock markets trend downward.'

Is it a good idea to give Rs 1 crore to someone who promises you a return of 24% per...

According to the revised safe deposit locker agreement, a locker can be used for...

Rebalance your portfolio in case it has become overweight on equities vis-a-vis your...

rediffGURU Vivek Lala answers your income tax and personal finance queries.

rediffGURU Ulhas Joshi recommends five factors you need to look at to evaluate the...

For women, it is important to build an emergency fund and a financial independence fund...

Look at the sanctioned plan to know the exact carpet area you will get and pay a law...

SEBI has published data showing that more than 90 per cent of investors lose money in...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

Cardiac patients whose proposals for a regular health insurance plan get turned down...

Youngsters must remember education is their BIGGEST investment EVER: Their lifelong...

Choose a higher sum insured if you are going on a long trip, and if your age is above 45.

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 level of...

Try to assess whether the broker has good knowledge of the prices prevailing in the...

Top golfer Gaganjeet Bhullar lodged a complaint against Emirates Airlines for delaying...

Do you have financial planning queries? Ask rediffGURU Anil Rego.

Their downside is that the donor relinquishes all control over the transferred...

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 inflation.

Post your financial planning queries for rediffGURU and financial planning expert,...

While the RBI's guidelines aim to streamline the loan closure process, borrowers must...

I am increasingly seeing young people starting 25-year-SIPs; these kids will definitely...

While managing their finances, individuals can make it a rule to seek advice from an...

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 doesn't...

Dwaipayan Bose highlights the similarities and contrasts between ETFs and Index Funds.

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 empowers...

The impact of currency depreciation can also be mitigated by holding a portion of your...

rediffGURU Ramalingam Kalirajan answers your personal finance queries.

'You may opt for a longer minimum guaranteed tenure of 12-18 months. This will ensure...

If you have not yet filed an ITR for the 2022-2023 financial year, you can file a...

Employees who benefit from rent-free accommodation should pay heed to these new...

While both institutions provide financial assistance, there are significant differences...

rediffGURU Mihir Tanna answers your income tax queries.

Dwaipayan Bose examines the seven important factors that investors about exchange...

rediffGURU Hemant Bokil answers your personal finance queries

'Most young taxpayers prefer income tax filing to be flexible yet straightforward.'

Do you have financial planning queries? Ask rediffGURU Anil Rego.

rediffGURU Ulhas Joshi suggests considering small-cap, mid-cap, and multi-cap mutual...

'Building a credit history is a gradual process that requires at least 6-12 months of...

Do you have financial planning queries? Ask rediffGURU Kirtan A Shah.

While managing rising EMIs can be challenging, the right strategy can help individuals...

rediffGURU Nikunj Saraf suggests considering small-cap, mid-cap, and multi-cap mutual...

Fund managers often find themselves selling bonds at prices below their fair value to...

Through a revised return, you can make changes to your ITR and even end up paying lower...

Personal loans offer more flexibility in usage but may come with higher interest rates...

Missing the deadline for filing Income Tax returns can lead to consequences.

Keep track of your foreign remittances to avoid giving incorrect declarations as these...

Failure to disclose any income can lead to penalties and legal issues.

Non-compliance can also result in legal complications and disputes with the tax...

A mass fan following or a large number of views on a YouTube channel can't possibly...

rediffGURUS Hardik Parikh, Tejas Chokshi, Mihir Tanna and Sanjeev Govila answer your...

RediffGURU Mihir Tanna broadly lists the ITRs to be filled by individuals having income...

Balanced advantage funds have the potential to earn superior risk-adjusted returns for...

It's tax returns season. Ask our tax experts Mihir Tanna, Hardik Parikh, Tejas Chokshi...

It is important to have the necessary documents on hand to verify the information in...

Many senior citizens fail to disclose certain incomes like interest, commissions, or...

Penalties for non-disclosure or inaccurate disclosure of these details can be severe.

'Don't wait until the last minute. Instead, cultivate the habit of monitoring your Form...

Rishi Piparaiya lists three simple steps to manage the impact of rising prices and...

Prashant A Bhonsle lists 5 major points you need to keep in mind before applying for a...

Instead of being guided only by returns, investors should also factor in the risks of...

If you have any grievances or disputes regarding the demand stated in the notice,...

With an 11% return in 2022, gold was the best-performing asset class, beating equities,...

Only a small percentage of passengers who traveled on the trains involved in the June...

'They can transition from short to long-duration funds when the yield curve normalises.'

This sort of property is better suited for an investor rather than an end user.

'If something unfortunate happens to an earning member, the family loses the crucial...

The choice should depend on the size of the retirement corpus, stage in life, and state...

Influenced by ads like 'Make money sitting at home', 'Make Rs 10 lakh with just Rs...

Employees should review the accuracy and completeness of the information provided in...

Prospective buyers must make a well-considered decision regarding whether this is the...

Senior citizens should avoid putting their entire retirement corpus in SCSS.

The National Commission concluded that the claim had been rightly rejected on grounds...

High dividend yield stocks usually perform well in a rising interest rate environment...

Embracing the habit of SIPs can pave the way for a financially secure and prosperous...

There are certain plans that you can opt for that also cover dental treatments, says...

Remember, pension from EPS will be taxable at slab rate, reducing the post-tax income...

Why it is important for investors to select the right product according to their...

Here's how beginners can follow a very practical approach for finding stocks for long...

Personal loans and credit card loans provide quick access to money when it is urgently...

'Investing in a factor-based fund can be beneficial provided you have chosen the right...

Group term insurance is far more cost-effective than an individual cover.

The rally in silver may continue if the global economic recovery remains on course.

Raising a child as a single mother in India can be challenging, especially when it...

'Starting an SIP now and continuing with it is likely to translate into high returns...

'Individuals can consider dividing ownership of properties between related persons to...

'Non-par plans returns are not market-linked. Hence, they can offer guaranteed returns.'

A growth scheme not only leads to lower tax payments than the dividend option. but also...

Investors who decide to enter medium to long-duration funds should be cognisant of the...

'Negotiate a longer agreement with the escalation clause fixed now.''This will enable...

'Investors don't have to worry about underperformance in passive funds, which earn...

Invest in quality companies that make profits, advises stock market expert and...

Not just unclaimed bank deposits, there are thousands of crores of rupees locked in...

Instead of only focusing on the tenure for which the best interest rate is available,...

Dealers across brands are slashing prices by Rs 20,000 to over Rs 1 lakh, depending on...

The advantage of leasing is that you can get a new car every few years. You can also...

While equity savings funds could offer higher returns over three-five years, they would...

You can build your own retirement savings portfolio by investing in equity, hybrid...

Did you know that an individual can, in addition to the tax benefits she/he is entitled...

Avoid discontinuing your SIPs. Persist for at least 7-10 years.

'Banks will continue to increase FD rates to attract more deposits and meet the...

Avoid discontinuing your SIPs. Persist for at least 7-10 years.

'Set aside around six months' monthly expenses for emergencies.''Keep this money in...

Amit Gupta examines the taxation of dividend-paying stocks, share buybacks, and bonus...

'Continue with your SIPs to get the benefit of lower average prices in this challenging...

Be wary of co-operative banks which have historically been most vulnerable.

'The long maturity of these funds makes them well-suited for long-term financial goals...

'While many policies say that they will cover mental illnesses, the wordings of a few...

'To achieve a corpus of Rs 10 crores in the coming years, I would suggest you increase...

Suppose you had bought a television set that came with a one-year warranty.It breaks...

I stumbled upon shares worth around Rs 300,000 in my late father's name, which are...

Salaried persons whose liability is fully deducted as tax deducted at source by their...

Seek advice from Sebi-registered investment advisors whose names are available on...

There are millions of Indian women who avoid the responsibility of managing their...

A term plan's premium is lower than that of a wholelife plan.

Ravi Singhal explains how a taxpayer can go about reducing her/his tax liability if...

NPS is a cost-effective instrument with low fund management and other fees. Unlike in...

Buy from an established agent rather than a novice who may not be around when you need...

Before opting for this scheme, consider how EPS is calculated.

Going through the credit report regularly will make you aware of a number of issues....

While most borrowers calculate the gain they stand to make from switching to a lower...

Improved credit profile may make you eligible to transfer your existing home loan to...

Don't recharge your phone at public outlets -- carry a power bank instead.Avoid...

'The number of leave accumulated sometimes goes up to 300.''The encashed amount is...

Your financial goals are of utmost importance and the tax saving is an added incentive,...

A person who has cancer and doesn't have any health insurance will find it difficult to...

Capital gains exemption limit and a steep reduction in the highest surcharge will...

'If a taxpayer opts for the new tax regime once, he can only switch back to the old tax...

The three year lock-in period enables ELSS fund managers to invest in high conviction...

A National Commission order held that the buyer was the borrower and so the bank was...

Do you have Budget related queries? Ask Finance Expert Ambareesh Baliga.

Ask Tax Gurus Mihir Tanna, Mahesh Padmanabhan and Anil Rego.

An NCD's credit rating will tell you whether risk possibility is high or...

Sujata Ahlawat, Senior Vice President and Head of Direct-to-Consumer Interactive,...

Make sure that the person you are buying the plot from is the rightful owner.

Which way will Adani stocks head next week? Is it a good time to pick up Adani stocks?

Ask your bank to save for you.Plan your taxes.Reward yourself for your...

Rebalance the portfolio at least once a year to ensure it remains in sync with the...

Don't exit from growth-style funds as they may benefit next from a shift in investor...

Many investors want to exit equities now and re-enter when they begin to rise. Such...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

'Comparing the rates of interest with PSU banks, the three- and five-year time deposit...

These funds can fetch double-digit returns over the long term which debt tax-saving...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

'Many non-resident taxpayers faced issues in filing Form 10F since the portal didn't...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Besides high portfolio yield, investors may enjoy capital gains in debt funds in 2023...

Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your...

Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your...

Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your...

End users should take the plunge despite higher home loan rates as these tend to be...

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

Sanjib Jha, CEO, Coverfox Insurance Broking, answers your health and auto insurance...

'People try to repay the BIGGEST LOAN first. Actually, you should repay the most...

Make sure buying a house won't lead to compromises on other crucial financial goals.

If you don't have a specific goal, but want intermittent liquidity, then ladder your...

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

A disciplined, systematic investment habit started at a young age is normally...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

When we are unwell, we consult a doctor, take a prescription, and then buy medicines...

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

Sanjib Jha, CEO, Coverfox Insurance Broking, answers your health and auto insurance...

'By filing a belated return, you can avoid the consequences of non-disclosure of...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

The Mahindra's Scorpio-N becomes the first body-on-frame chassis SUV to secure a...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

TMFs invest in a public index, so investors know beforehand which instruments the fund...

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

NRIs can repatriate the proceeds from the sale of a residential property in India,...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

Sanjib Jha, CEO, Coverfox Insurance Broking, answers your health and auto insurance...

'Sector funds like IT funds should be included only in the satellite portfolio.''Limit...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Sanjib Jha, CEO, Coverfox Insurance Broking, answers your health and auto insurance...

Since infrastructure projects have long gestation periods, investors need to enter them...

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your mutual...

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Gaurav Mohta, chief marketing officer, Home First Finance Company, answers your home...

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Nikunj Saraf, Vice President Choice Wealth, answers your queries.

Gaurav Mohta, chief marketing officer, Home First Finance Company, answers your home...

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Investors not comfortable investing directly may take the mutual fund route, where they...

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.