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Saikat Neogi

Articles By Saikat Neogi

427 Articles

Mutual Funds: Why floater funds are showing promise

With interest rates expected to go up, investors are flocking to floater funds. But keep in mind the credit risk

Floating rate funds invest in AAA-rated instruments.

Smart investing: Time to rebalance your investment portfolio

In the current scenario, multi-asset funds of mutual funds can be a good option for asset allocation mix

So, given the elevated index levels and stretched valuations investors should look at ways to protect the downside to their portfolio in case of any short-term market correction.

Mutual funds: Arbitrage funds find more takers amid volatility

Market volatility helped arbitrage funds & dynamic asset allocation funds deliver better returns compared to liquid funds as risk-averse investors looked for better yields

Life insurance: Get ready for index-linked insurance plans

Irdai panel says index-linked insurance plans can be an alternative to or complement conventional guaranteed products and Ulips, given the volatile investment markets and stressed interest rates

The design of ILIP should fit into one of the existing categories of products such as participating, non-participating, unit-linked, annuities or pure protection plans.

Equity investments: ELSS MFs now are a better bet than Ulips

ELSS mutual funds have the shortest lock-in of 3 years, lower expense ratio and give higher returns. They also score over certain fixed income products like PPF & NSC

As ELSS is a market-linked product, there is no guarantee of any assured returns.

Union Budget 2021: Ulips lose sheen with tax on maturity proceeds

Union Budget 2021 India: Maturity proceeds of Ulips with annual aggregate premium above `2.5 lakh will now be liable for long-term capital gains tax bringing these at par with all equity investments

Union Budget 2021: Tax axe on big-ticket PF

Interest accrued on PF contributions by employees of more than `2.5 lakh annually to be taxed

pf tax budget 2021, new PF contribution rules , Calculator, Rs 2.5 lakh, pf interest taxable , contribution rate,

Budget 2021: Individual taxpayers look for tax relief

Union Budget 2021 India: An increase in standard deduction for the salaried, higher deduction for health insurance premium and tax-free annuity are among the top reliefs sought

Annuity or regular pension is received from schemes such as NPS, Pradhan Mantri Vaya Vandana Yojana, National Pension Scheme and even pension received after superannuation.

Cyber risks: Need to popularise cyber insurance

Irdai panel suggests that insurers should offer cyber insurance as a part of package policies such as Householders Package policy

The panel says that there are certain aspects of cyber insurance that require a consensus and Common Reference Framework to bring about clarity in coverage.

Mutual Funds: Reaping benefits of SIP in a market rally

As the Nifty-50 has risen by 90% since its March 23 lows, investors are seeing a steady rise in SIP returns after a steep fall

Individuals are investing through SIP in large, mid and small cap funds and also in certain thematic funds.

National Pension System: Now, you can exit NPS via online mode

After allowing digital on-boarding, servicing, contributions and video customer identification process, now the pension fund regulator has permitted paperless exit

The regulator has taken a lot of digital initiatives for on-boarding, contributions and servicing.

Longer holding period, more chance of alpha: Piyush Gupta, Director, Funds Research, CRISIL

The Reserve Bank of India (RBI) has proactively cut interest rates in the past couple of years to aid economic growth on the back of the slowdown and the impact of the pandemic.

With Sebi and the industry’s focus to penetrate the hinterland coupled with low yield from traditional fixed instruments, the share of B30 cities could rise.

The Year 2020 – Insurance: Ironing out the kinks in the insurance armour

From standardisation of insurance products to digitisation of onboarding policyholders, Irdai has made it easier to select and purchase the right insurance product

The insurance regulator had allowed all life insurance companies to get customer’s consent without requiring a wet signature on the hard copy of the proposal form.

Comprehensive health cover a necessity: Priya Deshmukh Gilbile, Chief Operating Officer, ManipalCigna Health Insurance

The pandemic has led to digital acceleration and social distancing is making customers adapt to online purchase and service.

Priya Deshmukh Gilbile, Chief Operating Officer, ManipalCigna Health Insurance

Income tax: How debt and equity investments are taxed

Taxation rules for debt and equity investments are different. So look at the tax implications on each instrument before investing

Insurance: Now get a standard personal accident cover

From April, general and standalone health insurers will mandatorily offer a standard personal accident insurance policy which will cover death, permanent and partial disability under the base cover

Bank Fixed Deposit: Looking for higher interest rates on FDs? Check options

Check out the higher rates at small finance banks or company deposits. But do keep in mind the higher risks inherent in these. It’s better to go for longer tenures at safer banks or even post office schemes

Income Tax: Invest in the name of family members

Buying a health insurance policy for your parents or opening a PPF account in your child’s name can help you save income tax

Senior citizens are offered a higher tax deduction of Rs 50,000 and can also claim tax deduction of Rs 1 lakh for medical expenses for specific critical illnesses.

Retirement planning: Annuity plans can ensure regular cash flow

Annuity products from life insurers cover an individual for life, remove reinvestment risks and are not vulnerable to market volatility

How to get unclaimed insurance payouts

Policyholders or their beneficiaries can claim the dues under their policies up to 25 years from the date of transfer of the money to Senior Citizens’ Welfare Fund.

Health Insurance: A standard plan for vector-borne diseases

The maximum sum assured under this indemnity-based standard health insurance policy will be 2 lakh

Two optional covers—hospital cash benefit and diagnosis cover—can be offered along with the standard product.

Mutual funds: Know all about the new flexi-cap category

The new category will bring stability to retail investors’ portfolio as multi-cap funds can now be just rebranded as flexi-cap funds

Analysts say the flexi-cap category will help fund managers to invest freely across market capitalisation.

Yellow metal: Buy SGBs or gold ETFs this Dhanteras

As gold’s outlook remains strong over the near to medium term, buying the metal can add that touch of auspiciousness this Dhanteras

gold, silver, jewellery, online gol, jewellery sales,

Mutual funds: Check out dynamic asset allocation funds

Dynamic asset allocation funds provide downside risk protection more than the upside capture of returns, thus ensuring risk-adjusted return for long-term investors

Mutual fund investors prefer dynamic asset allocation funds as the investments are well-diversified, especially in an uncertain market.

National Pension System: Now subscribe to NPS via video KYC

The video customer identification process will not only help expand the reach of NPS but will also help in speedy account closure and other services

In order to make NPS popular, PFRDA has introduced OTP-based authentication for paperless onboarding in June.

Stock market: Should you accept a share buyback offer?

Check the price movement of the share just before the buyback is announced. If there has been a steep rise in the share price, then investors must be cautious

Smart investing: Time to rebalance your investment portfolio

Investors can look at some profit booking and move money from equities to debt or gold to rebalance their portfolio

The profits booked from equity can be invested in fixed income securities and even gold to rebalance the portfolio.
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