Personal Finance Print
Your money: Loan growth showing signs of moderation
Loan growth for the industry has declined to 12% in 1QFY20 compared to 15% last quarter due to deceleration in retail demand, slowdown in auto loans and two-wheelers has led to slightly moderated growth trends 1QFY20.
Stock Markets: Promoters pledging shares; is it a danger signal?
Before investing, investors must analyse the reasons for the company pledging shares. However, if the quantum of pledged shares is increasing then it becomes a worry and investors must stay away from
For good returns, equity investment should be held for these many years
A longer horizon allows a fund manager to stick to stocks wherein he has high degree of conviction, which may need time to play out depending on the stage of the economic cycle.
Do you ask the right question before deciding on investing?
And these questions should then lead to the asset allocation and the expected returns on the investment. But invariably, the first question one asks is: What is the return I can get?
Why financial planning is essential early in your career
Try to save 30% of your net-of-tax earnings and don't fall prey to debt traps by spending more than your earnings.
Taking a home loan? Five steps to plan your home loan EMIs
If you do not have existing debt, lenders ask you to pay 40% of your income towards loans. If you sense you will earn a higher salary in the future in the form of hikes, bonuses, incentives, you can c
Lock in higher rate of return on annuities now
With interest rates falling, insurers are likely to reduce the annuity rate. Those aged 50 and above must buy annuity policies at current rates to enjoy high income rest of their life
Non-convertible debentures: Four factors to consider when investing in NCDs
Investors need to consider aspects such as safety, liquidity, diversification and tenure of investment
Life insurance: Strong growth momentum in individual business
HDFC Life, Max Life, Tata AIA, Birla Sun Life & Bajaj Life delivered strong growth in individual APE in July
Stock markets: Know how factor investing works
Allocating investment capital to factors could be a better way to diversify rather than allocating across asset classes as it will help to reduce risk and increase returns
Personal loans are also on floating interest rates
Very few bank loans in India are on a fixed interest rate basis. Personal loans are also on a floating rate.
Health insurance: Towards a simpler customer journey
Regulation has broadened the scope of coverage and made it more inclusive—mental illness and HIV are now under the ambit of health insurance.
Money received from certain relations exempt from income tax
Salary received from all the employers during the financial year will have to be clubbed to arrive at your total income and be taxed accordingly.
Explained: How to choose a term insurance policy
The insurance companies and aggregators offer term insurance calculators on their sites that help in analysing which plan suits you better.
Mutual Funds: To stay invested or exit? Check these four points first
The BSE Sensex is trading lower compared to the 1-year-ago and 3-months-ago levels, while it is flat compared to its level 6 months ago. In the past one year, small cap and mid cap funds have offered
Know the risk inherent in bonds and how to mitigate them
The degree of interest rate risk associated with a given bond depends on the size and timing of the cash flows, interest and principal, from that bond.
Income Tax Return 2019: 7 benefits of filing your income tax return
ITR Filing: Make sure to file your income tax return on or before the due date of August 31, 2019 to avoid penalties.
Your money: Decline in stock prices – Time for some bottom-picking
Investors have a choice of expensive consumption-related stocks as they brace for near-term ructions arising from further escalation in China-US trade issues and HFC-real estate liquidity/credit issue
Motor Insurance: RC needs to be canceled in case of a total loss
The depreciation rate is 15% for vehicles less than one year; 20% for one to two years; 30% for two to three years; 40% of three to four years and 50% in case of four to five years.
Bond Yields: Negative bond yields abroad won’t affect your portfolio
While the movement in equity markets in one part of the world influences markets in other parts, the impact of global negative bond yields on India will be limited
Fixed income: Small savings get attractive as banks cut FD rates
With some debt funds reporting wealth erosion, retail investors are looking at safer avenues such as bank fixed deposits and post office savings schemes to park money
Financial planning: The opportunity cost of a lavish wedding
Instead of splurging on your wedding, it is better to utilise the money to buy a home, travel the world, or just save for a rainy day
ITR forms 1 and 2: Do you know the new norms?
Changes in income tax return forms that you should be aware of as you file returns for FY2018-19
Life Insurance: More customer-friendly products in the offing
Irdai has introduced changes in filing new or modified products and procedures for modifications of the existing products.
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BUDGET 2019
- Budget 2019: Central govt to contribute 14% to NPS, employees to get 80C benefit on Tier-II deposits from April 1
- Budget 2019: Hike in import duty may dampen the gold rush
- Budget 2019: More power to villages; Rs 2 lakh crore allocated to Panchayats in five years
- Budget 2019: Healthcare sector expects hike in exemption limits for health checkup, medical reimbursement
