Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual...
'Consider your household's financial health and all your other goals.''Buying...
Isn't the goal of retirement planning to create a balanced portfolio that...
Many enter this arena without a detailed understanding of how their algo...
Data from Value Research analysed on five-year, three-year and one-year...
Before heading abroad, ensure your travel insurance policy offers all...
'As we navigate uncertain waters, a conservative approach to largecap...
What if I told you that you only need to invest for 5 years to accumulate Rs...
By June 2025, financial freedom will be just an ATM away. Pleasantly...
Flipkart-backed super.money is on an expansion spree and plans to expand its...
Regularly monitor your account for any suspicious activity.Keep your devices...
Wedding planner WedMeGood estimates that the average wedding budget has...
'Asset allocation should change only if your goals, life situation, or risk...
rediffGURU Ulhas Joshi answers your mutual fund queries.
Ramalingam Kalirajan offers some easy steps to reactivate your accounts with...
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal...
By acting now, you can step into 2025 with your finances in order and without...
Business cycle funds aim to optimise returns by aligning their portfolios...
Sent money to wrong UPI ID? Don't panic! Learn what to do next and how to...
'If you invest in a rush at the last moment, you could compromise on...
New investors should gradually build a 5 to 10 per cent allocation to gold.
It is similar to top-up health insurance plan, but provides for one or more...
Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual...
Link your UPI app to a separate bank account or wallet that has only a...
First things first: For those wondering if they need to reapply, the answer...
'Investors may have made money in mid and smallcaps due to market momentum,...
Your choice between the Old and New Tax Regimes should reflect your financial...
One reason the fee can't be lower than 3 per cent is that it is difficult for...
In a falling market, the value of your investment keeps going down. However,...
In addition to interest rates, review the fine print for penalties and...
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
Ensure the sum insured for the super topup is enough to cover even worst-case...
The Delhi high court has granted bail to Hari Om Rai, the former MD of Lava...
A single security lapse could lead to complete wipe out of your crypto assets...
Let's explore three different ways to reach the Rs 100-crore mark, each...
Returns of liquid funds are meant only for the short term and don't help...
Cardiac care plans are ideal for individuals with pre-existing heart...
Only investors with knowledge of cryptocurrencies, long-term conviction, and...
'They take care of the problem: How can I ensure my child's education and...
'Arbitrage funds make the most sense for those in the 30 per cent tax...
Investors should match their investment horizon with the fund's portfolio...
If you already hold significant amounts of equity in your portfolio, avoid...
'Investors with foreign currency-denominated goals, such as foreign education...
'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...
'A long-term investor with a 4 to 5 year horizon could invest in this theme...
'Assess the property in terms of type, size, location and price point, and...
Let's Make Savings As Exciting As Spending. This World Savings Day,...
The best way to achieve financial security isn't by cutting out every vada...
Invest with a 5 to 7 year horizon so that you are able to ride out price...
MNC funds invest in companies where foreign promoters have more than 50 per...
'Value index funds are most appropriate for long-term investors who can...
If you lack an emergency fund or it is depleted, use part of your bonus to...
The fast-growing Indian online gaming sector is facing a significant threat...
'When interest rates rise, the NAVs of these funds will fall.' However, they...
'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...
'A 20 per cent equity allocation to ESG funds is a good start.''As more...
For those looking for more affordable options, purchasing an...
'Young investors should focus more on equity, while retired senior citizens...
Self-employed individuals often face hurdles in buying term insurance due to...
While festive offers can reduce costs, borrowers should also consider the...
Imagine transforming a modest Rs 10,000 monthly investment into a steady Rs 1...
F&O trading is a zero-sum game where one person's loss is another's...
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal...
'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture...
Investors need to carefully assess country-specific risks.'This is especially...
From how to open an NPS Vatsalya account to knowing how this scheme compares...
rediffGURU T S Khurana answers readers' personal income tax queries.
'Credit card debt comes with high interest cost and stringent penalties.''If...
'Many do not have robust business models, and their prospects of survival and...
'Choose an equity allocation that will allow you to remain invested even if...
rediffGURU Samkit Maniar answers readers' personal income tax queries.
If you don't make the necessary adjustments after October 1, 2024, you'll...
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without...
Equity-focused schemes may perform better in a bull market, while...
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual...
Have you wondered how many days of work -- depending on your net monthly...
While SGBs are a sound investment, they aren't worth buying at any price.The...
An analysis by the Securities and Exchange Board of India (Sebi) has revealed...
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...
When evaluating bonds, returns shouldn't be the sole factor.Pay close...
Customers frequently sign without reading the terms and conditions, resulting...
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...
'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...
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...
'Splitting must result in tangible benefits for the customer, otherwise it...
Pratham Barot, CEO and co-founder, Zell Education, explains how specialised...
Using mantras from the Bhagavad Gita, Vatsal Ramaiya explains how you can...
For Indian parents, sending a child abroad for a three-year degree could...
'For those seeking regular income, these funds provide a steady stream of...
'It's advisable not to go overboard on a banking sector fund or any other...
'With tuition fees for international students rising, education loans have...
Long-term tax-saving FDs can also be considered after the PPF limit has been...
'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,...
Feature for feature, bank FDs are indeed better than debt funds today, mainly...
'Younger employees, who tend to have a higher risk appetite, will find NPS...
Adopting overly aggressive strategies without considering risk could lead to...
Systematic Withdrawal Plan, or SWP, can help you achieve your financial...
Many senior citizens 'underestimate the impact of inflation, taxation,...
Younger people, who usually have a longer investment horizon which allows...
Scammers sometimes misuse personal information collected during tax...
Follow this 15 x 15 x 15 rule to become a crorepati without taking big risks....
Flipkart-backed fintech firm super.money is aiming to be among the top five...
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
'Despite rising inflows, many NRIs lack awareness about NRO and NRE accounts...
Only borrow an amount that can be repaid comfortably.The ratio of total EMI...
rediffGURU T S Khurana answers readers' personal income tax queries
Are you ready to take control of your financial future? Ramalingam Kalirajan...
Make minimum payments on all debts, then use extra funds to tackle the...
'If their allocation to certain segments have become high due to strong...
'In phases when smaller stocks do well, an equal-weight index performs better...
All investors should ideally have a 10 to 15 per cent allocation to...
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...
'If the borrower can't repay the loan due to lack of income or losses from...
'File all the supporting documents in response to the allegation since there...
To minimise risk, invest in a debt fund whose duration matches your...
'PPF carries minimal risk.''Its fixed-income nature allows investors to...
FDs are not advisable for long-term wealth creation as their post-inflation,...
By following the path of Kula Dharma as mentioned in the Bhagavad Gita, you...
A taxpayer who does not revise their return within the stipulated deadline...
'Forget your loss or profit in your portfolio.''Look at how much cash you...
rediffGURU T S Khurana answers readers' personal income tax queries.
'Earlier there was no provision for considering TCS collected from the...
People in full-time jobs should especially avoid intraday trading as it...
Most investors should have a 5% to 10% allocation to gold for...
The National Commission ruled that the insurance policy is deemed to be...
'Understand how wedding expenses fit into your overall financial...
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
Investors with a long-term horizon and high-risk appetite seeking capital...
It is advisable to file your ITR right away and not rely on potential...
Finance Minister Nirmala Sitharaman on Tuesday termed misleading claims by...
rediffGURU Anil Rego answers readers' personal income tax queries.
Investors should view the increase in the LTCG tax rate in conjunction with...
Follow these steps to avoid last-minute surprises while claiming your...
What is digital house arrest?It is a tactic cybercriminals use to confine...
rediffGURU Samkit Maniar answers readers' personal income tax queries.
Rediff.com spoke to registered investment advisors to figure out how best the...
Maintain a proper record of documents that can act as proof of the cost of...
The finance minister clarified that indexation benefits offered until April...
While the minimum holding period for LTCG taxation has now been lowered, the...
There are a number of steps taken that will leave more money in the hands of...
'The adjustments (of tax slabs and standard deduction) will reduce the tax...
How does the Union Budget 2024-25 impact taxpayers, investors and traders?
Ramalingam Kalirajan dives into the specifics of NPS withdrawal rules to help...
'Compare the new slabs with the previous years to understand if your tax...
Invest in MFs for liquidity and choice of funds.Invest in NPS for the tax...
In the case of double-income couples, not more than 40 per cent of the net...
Investors keen on mid and smallcap stocks but wary of volatility should...
rediffGURU Dev Ashish answers your personal finance and mutual fund queries
'If an individual makes significant financial investments, she should stick...
'We expect market consolidation and recommend buying during market dips.'
Follow these simple steps if you want to create a solid retirement corpus and...
Quant funds are a unique offering in the MF space as the investment decisions...
rediffGURU Vivek Lala answers your income tax and personal finance queries.
MMFs invest in fixed-income instruments maturing in less than one year,...
Building your Retirement Nidhi is your Karmayoga, ensuring a Golden Yug where...
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries.
'It's better to be over-insured than underinsured.''Ensure your home...
Are you a first-time IPO investor? Even if IPOs appear attractive with...
'Lack of self-control over spending leads to a credit card debt trap.''People...
Keeping surplus money in a bank account has become perilous, alerts Harsh...
'A mid-year review makes the end-of-year financial review manageable and less...
It is essential to have a comprehensive motor policy, and not just a...
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...
If the cashless request is denied, the entire cost may need to be paid for...
'An equity-based index fund should be held for more than five years to...
By taking the mutual fund route, investors can take exposure to gilts with...
Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform,...
'If the portfolio growth rate is higher, take this loan. If it is lower,...
rediffGURU Samkit Maniar answers readers' personal income tax queries.
The Reserve Bank of India (RBI) on Monday said 97.87 per cent of the Rs 2000...
'Investors should not go for lump-sum investments in infrastructure funds at...
Shares of Le Travenues, which operates online travel booking platform ixigo,...
'If you are investing in a Ulip for returns, go for a type I Ulip.''If you...
rediffGURU Jinal Mehta answers readers' financial planning and health...
The Bhagavad Gita reminds us that true peace comes not from the absence of...
Vatsal Ramaiya draws wisdom from the Bhagvad Gita to explain how to conquer...
'Filing a nil ITR serves as a formal declaration to the tax authorities that...
Not filing an ITR or paying the tax dues on the deceased's behalf can lead to...
Purchase health insurance at an early age, before you incur a disease, as...
The National Commission noted that if the policyholder wanted reinstatement,...
'Those trying to use these funds for quick gains should avoid them due to...
Vatsal Ramaiya draws wisdom from the Bhagvad Gita and correlates it to how...
Long-term investors should never stop their SIPs during market corrections.
Do not get repair work started without informing the insurer as the latter...
Ask tax gurus Mihir Tanna, Samkit Maniar, Vivek Lala, Anil Rego and Mahesh...
'Save the entire chain of e-mail exchanges so that you have documented...
In its master circular on general insurance products, which takes immediate...
Many seniors mistakenly believe they need not file returns if tax is deducted...
Form 16 contains details of salary income, deductions, and exemptions.
National Commission concluded that false and baseless allegations had been...
'Some buyers believe prices may correct in the future.''This is unlikely....
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...
'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...
According to Parizad Sirwalla, partner (tax), KPMG, the withdrawal of annual...
The market players were expecting that if long-term gains are taxed, the STT...
'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 & asset...
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...