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Saikat Neogi

Articles By Saikat Neogi

402 Articles

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.

Mutual Funds: Now assess risks with revamped risk-o-meter

The modified product labelling will inform investors of the risk in the mutual fund schemes and help them to take a more informed investment decision

Saral Jeevan Bima: How this new product will make life insurance simple

Saral Jeevan Bima will be offered by all insurers as a standard individual term life insurance policy but the price may vary

Mutual Funds: Should you invest in a new fund offer?

Consider investing in an NFO only if it will invest in an entirely new category or sector or geography, thus offering an unique opportunity to invest that does not exist in current products

National Pension System: Now get same-day NAV on NPS contribution

The new D-Remit (Direct Remittance) method is an improvement over the existing eNPS process where contributions are credited to the subscriber’s NPS account on T+2 basis after receipt of clear funds from the payment gateway

Exchange Traded Funds: Wake up to the benefits of investing in ETFs

Low cost, transparent pricing, liquidity and ability to meet asset allocation needs are making exchange traded funds (ETF) popular.

For investors, ETFs provide a good tool of asset allocation.

Fixed Income: Lock into small savings for higher returns

Small savings schemes such as 5-year time deposits, National Savings Certificate, Monthly Income Scheme, Kisan Vikas Patra and Sukanya Samriddhi Account offer much higher rates than bank deposits

National Pension System: Exited NPS pre-maturely? You can join again

NPS subscribers who have exited within three years can now continue their account by depositing the withdrawn amount in lumpsum

Under NPS, a subscriber can opt for a premature exit. Any exit, before completion of three years will be treated as premature exit.

Health Insurance: Mediclaim policies set to be less opaque now

With all indemnity-based health plans to have standardised wordings for exlusions & waiting periods, customers will now be able to compare & comprehend policies better

Focused funds: When a focused investment play pays off

Most focused funds go for a multi-cap approach with most of the investment in large-cap stocks

Mutual Funds: Check out multi-asset allocation funds 

Multi asset allocation funds invest in equity, debt and gold which help cushion the risks associated with investing in just one asset class

Health Insurance: Policyholders to now get wellness rewards

Irdai has allowed insurers to offer wellness and preventive features as optional or add-on cover

Experts say there will be a pricing impact after inclusion of such benefits in the policy.

Insurance: Go for video-based KYC to buy your policy

Last month, Irdai allowed all life insurance companies to get customers’ consent without requiring a wet signature on the hard copy of the proposal form till December this year. With the rise in Covid-19 pandemic, the filli

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Smart investing: How and where to invest in turbulent times

In volatile times, the right mix of equity and debt can build a strong portfolio and earn higher returns in the long run. Increasing debt allocation when the markets are volatile and prices driven by a flush of liquidity can

During market volatility, stocks are often available at a discount, which is a good time to accumulate quality stocks at a discount.

Life Insurance: You can buy online term plan to save premium cost

As insurance companies are tweaking their product strategies, customers should opt for online term plans which are 20 to 30% cheaper than offline ones.

Fixed Income: Safe investment avenues for retirees

Senior citizens can invest in Pradhan Mantri Vaya Vandana Yojana and Senior Citizen Savings Scheme for steady income.

Motor insurance: Taking steps to prevent and minimise loss

Irdai suggests non-profit body for mapping major accident spots, using telematics to assess risky behaviour and standardising vehicle repair cost.

The Insurance Information Bureau of India (IIBI) has been providing claims search functionality with wide usage among industry, with hits crossing the one-crore mark in FY20 helping in substantial savings for the industry.

Yellow Metal: Should you book profits from gold ETF now?

The bull run in gold from 2000 to 2012 had seven reasonably sized corrections. Though the fundamentals are supportive of higher prices, the pace at which prices were increasing was a concern and the yellow metal was overdue f

Health insurance claims: Private insurers go for in-house settlement – Do TPAs need to polish up their game?

At a time when Covid-19 related claims are going up, in-house claims settlement by private insurers has been found to be more faster. So, do TPAs need to polish up their game?

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Gold loans: Now borrow more against your idle gold jewellery

The interest rate on gold loans can range from 7.5% to 29% per annum depending on LTV ratio, loan tenure and repayment option

Buying Sovereign Gold Bonds? Be ready to hold it for eight years

While Sovereign Gold Bond investors benefit from 2.5% interest every year, liquidity remains an issue as the bonds can’t be redeemed before five years and the secondary market is not liquid enough

The yellow metal’s prices have run up sharply in recent months-the value of the bonds in the first tranche (April 20-24) for FY 2020-21 was Rs 4,639.

Mutual Funds: You need to look beyond historical returns; Here’s why

While most investors compare mutual fund returns with the benchmark index such as Sensex or Nifty, a diligent investor must analyse the impact of expense ratio and the risk taken to deliver the return.

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Health insurance: IRDAI new norms leave no room for ambiguity in policies

Irdai’s standardised terms and clauses include terminology to be used in health insurance policies, and norms to be followed by network hospitals

The guidelines will help policyholders to understand their policies without any ambiguity.

Mutual fund investment: Index funds vs direct plans – Which is better?

Switch to a direct plan which has a lower expense ratio as compared to a regular plan or have a mix of index and actively managed funds to earn higher returns in the long-run

Investors should also look at direct plans, which have a lower total expense ratio as compared to regular plans.

Retirement corpus: Invest in NPS for higher tax-efficient returns

The pension fund regulator has allowed fund managers to increase investment in short-term debt securities to tide over the highly volatile market conditions

The portfolio in debt ETFs will not be more than 5% of assets under management of the corporate bond portfolio of the respective schemes.

Income Tax latest update: More time to file ITR for FY20, rectify FY19 returns

The government has extended the deadline for filing ITR for FY20 to November 30 and has given a one-time relaxation to those who have not verified their ITRs for AY16 to AY20.

Income taxpayers who have not verified their ITR for assessment years 2015-16 to 2019-20 can now do the verification.
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