Saikat Neogi

Exchange Traded Funds: Why ETFs are a good investment bet

For retail investors, ETFs are a low-cost investment option as they have lower operating cost, including the management fees

etf, insurance News

Investment planning: Align tax saving investments with your asset allocation strategy

Lay down your investment goals, the time horizon and anticipated returns from different equity-linked and debt-related investments, then reap the compounding benefits and save tax, too.

Money News

Motor insurance: Have two cars? Take a standalone personal accident cover of Rs 15 lakh

Irdai has relaxed its directive for compulsory personal accident cover for owner-driver under motor insurance policies

Insurance News

National Pension system: Now get tax-free maturity withdrawals; check details here

The government has made the whole 60% of the NPS accumulated corpus tax free, bringing it at par with PPF and EPF, besides raising its contribution to 14% of basic pay and DA for government employees

Money News

Home Loans: It just got harder to get a loan from an NBFC

While banks have the same eligibility criteria, it can differ in case of NBFCs. They have different criteria for salaried and professionals and it depends on the income of the borrower and other outstanding liabilities

Money News

LIC needs to strengthen the alternate channels of distribution, says former MD and CEO of LIC of India

First, the distribution effectiveness has to be increased so that insurance penetration improves substantially.

Money News

Mutual Funds: Your insurance agent may now sell MF, pension products, FDs

The insurance regulator has proposed to relax norms for registration of insurance marketing firms to improve penetration and sell other financial products, too.

Money News

Fixed income: Should you go for NBFC fixed deposits? All you want to know

While higher interest rates offered by NBFCs may lure retail investors, they must first look at a company’s credit ratings, assets and liabilities and record of servicing debts

Money News

Health Insurance may become more consumer friendly: IRDAI panel calls for removing these exclusions

The working group has recommended that waiting period for conditions such as hypertension, diabetes, cardiac should not be for more than 30 days.

health insurance, health sector, irdai News

Flexible and customer friendly norms for life insurance: Irdai proposes structural changes in linked, non-linked policies

After five years, the insurance regulator is in the process of reviewing the structure of linked and non-linked life insurance products. It has put out a draft paper which, among other things, proposes to make the minimum dea

Insurance News

Dhanteras investment: Go for Gold ETFs and SGBs

Investment in gold is a useful diversification tool and a good hedge against inflation. For many investors, the metal is an essential store of value for financial emergencies.

Money News

Decisions based on short-term movement of stocks cause pain: Jiju Vidyadharan, Crisil Research

Investors in equity-oriented mutual funds should not get flustered by volatility in the asset class over the short term, and remain invested over the long term (7-10 years) to derive optimum returns, says Jiju Vidyadharan, se

Money News

How to earn higher long-term returns with Equity Linked Savings Scheme

At a time when assets under management of mutual funds declined 12.5% to Rs 22 lakh crore at September-end due to massive outflows from liquid funds and income schemes, equity and equity-linked savings schemes (ELSS) saw an i

Money News

Planning to invest this festive season? Here’s why gold bonds are a good option

The price of the Sovereign Gold Bond is fixed on the basis of simple average of closing price of gold for the last three working days of the week preceding the subscription period.

Markets News

How to leverage election year market crash and gain on averaging opportunities

Lok Sabha elections due next year, it is more important to hold on to stocks, buy more on dips and continue with SIPs.

Markets News

Policyholders, your insurance company will be better regulated, here’s what IRDAI has planned

The benefit of adopting a risk-based supervisory framework will be a structured approach to help assess various risks, both internal and external.

Insurance News

Currency devaluation: Know how the falling rupee impacts your finances

The rupee has depreciated over 15% against the US dollar since January this year because of rising crude prices, slowing flow of funds from foreign institutional investors and increase in the US Dollar index.

rupee, finances, US dollar, US Dollar index, home currency, foreign education News

Aadhar verdict: eKYC curbed; instant loan approvals, MF and insurance sales online take a hit

With the Supreme Court scrapping the mandatory linking of Aadhaar with bank accounts and ruling that private companies can no longer insist on Aadhaar-based authentication, fintech companies find themselves in a spot.

Money News

Income Tax: These three tax deductions that can be reversed

There are tax deductions for long-term investments. If, however, you invest only for the short-term, your tax liability increases.

tax, income tax News

Motor insurance: Here is how you can get Rs 15 lakh personal accident cover on buying car insurance

Buyers of new cars and two-wheelers will also now have to mandatorily purchase third-party insurance cover upfront for at least three and five years.

Insurance News

Interest rate bonanza! New, latest rates for PPF, FDs, small savings; here’s what risk-averse investors should do

Risk-averse investors can look at investing in these instruments with the government raising interest rates for small savings schemes.

Money News

Giving credit to one who cannot repay will create misery for all, says head of capital markets of Home Credit BV

Home Credit India, a non-banking financial company, focuses on small-ticket loans for purchase of mobile phones, home appliances, etc., primarily to people with little or no credit history.

Markets News

National Pension System: PFRDA caps equity mutual funds investment by NPS

The PFRDA guideline on 5% cap on equity mutual fund investment by pension funds will be applicable to all NPS schemes—central and state governments, private sector, NPS Lite and Atal Pension Yojana.

Markets News

Mutual funds: Stick to SIPs even if market remains volatile

While market volatility remains the most important risk in equity investment either directly or through mutual funds, one should look at equity investments for the long term

Mutual funds, Debt mutual funds, net asset value, ELSS, GST dislocation, Bajaj Capital, BSE-30 Index, Nifty-50 Index stocks News

Home Credit India likely to turn profitable in FY19

On the back of strong growth in retail consumer finance, simpler lending procedures and rapid expansion of its network, Home Credit India, a part of Czech Republic-based consumer finance provider Home Credit BV, which started

Markets News

IRDAI recommends that individuals be allowed to shift from being insurance agents to insurance service providers

An Irdai panel has suggested that list of products to be sold via an insurance marketing firm should include group insurance products and combi-products

money, insurance setor News

Stock markets: How long-term investors can navigate volatile markets

Investors should not react too much to price movements when the markets are volatile as it will harm their portfolios in the long-run.

stock, stock markets News
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