Personal Finance Print
Rushing to buy insurance now? Don’t end up with a wrong policy
Understand the terms and conditions of each life insurance policy before you sign on the dotted line
Critical illness cover: Super top-up plans of Rs 1 crore and above
Individuals who have a history of critical illnesses in the family—illnesses that require expensive and prolonged hospitalisations—may also opt for a big cover.
Your queries: Equity MF proceeds credited on T+3 days basis
An SIP is a mode of investment enabling an investor to average out the cost of his investments across his investment horizon.
Deconstructing Return on Equity: Why RoE is considered among most relevant ratios in stock selection
Return on equity (RoE) needs to be seen in terms of net profit margin, asset turnover, and the equity multiplier to measure the risks associated with the business model of each company in a sector
Know the insurance cover you need for your two-wheeler
Zero or nil depreciation cover is a must have for your bike, given that expenses for even small part repairs can be very high.
Your Queries: Mix of equity, debt assets must to optimise portfolio performance
An asset allocation-based approach is one of the key determinants of a portfolio’s performance
Budget 2020: Tweak Chapter VI-A deductions to give relief to taxpayers
Budget 2020-21: The tax break of Rs 1.5 lakh under Section 80C needs to be increased, even as the scope of Section 80D should be widened.
Delinquency rates in housing loans and credit cards rise in September quarter
Overall balance-level serious delinquencies showed an increase of 10 bps y-o-y in Q2FY20. The categories of auto loans and personal loans, however, saw an improvement in delinquency rates.
Mutual Funds: Don’t stop or switch SIPs during volatility
By stopping SIPs influenced by the market movements or looking at only the short-term under-performance, the investor will hamper long-term financial goals.
Income Tax: Sold gold? Pay short-term capital gains tax at slab rate
The legal heir/ representative of the deceased shall be liable to file the return on his behalf for the income earned till the date of death.
Here’s why Irdai needs to mandate outpatient cover in health insurance
Out of pocket expenditure for healthcare in India stands at 62% of the entire expenditure and out of which only 27% of the population is insured.
Private insurers report 16% APE growth in December
Individual business for LIC was modest at 13%, following 103% growth in previous month due to sunset period of a couple of its products
Are liquid funds safe for investment? Find out
SIPs involve investing the same amount of money at regular intervals (usually on the same date every month), over several months.
From NPS to gold, 5 smart investment choices for 2020
Look at your financial goal, the risk you are willing to take, your investment horizon and never make rash decisions, such as stopping mutual fund SIPs due to under-performance
New ITR-1 form: Know the eligibility norms
The CBDT has notified these forms even before beginning of relevant assessment year, which will give sufficient time to taxpayers to gather necessary information.
How free investment advice can ruin you
Sebi has recently mandated registered investment advisors to offer advice only after they undertake complete personalised risk profiling of the clients
Retirement Planning Calculation: Know how to use Systematic Withdrawal Plan to meet expenses
You can draw a fixed amount from your mutual funds via SWP, even as the invested corpus, net of withdrawals, continues to earn from the market
Why taking OPD health cover is a smart idea
OPD cover allows you to claim expenses on doctor’s fees, cost of medicines along with diagnostics or minor procedure fees
Financial planning: Five money tips for smarter decision-making
Having clarity in your decision-making will help you divert money to the right investment instruments to achieve your personal finance goals
Income Tax queries: Rental income taxable in hands of each co-owner
Rental income earned from jointly owned property is taxable in the hands of each co-owner, in proportion of the share in property.
Here’s how three-bucket strategy can lead to wealth creation in the long term
Even in 2008-09, when the mid-and small-cap returns went south by more than 40%, had you stayed true to the investment process, the point-to-point returns would have delivered a double digit return in
Insurance policy queries: Only nominee can get death benefit money on policy
In case there is no nominee you will need to get in touch with the insurer to understand the process for settlement in favour of the legal heirs.
Health Insurance: More wellness products, use digital solutions in year 2020
There is a wide gap in healthcare delivery for the insured and for the total population. Health insurance is majorly dominated by government schemes. The private health insurers have expanded rapidly
Mutual Funds: Use core-and-satellite investment strategy to build a good portfolio
Core assets are the foundation of a portfolio and require passive management, which means occasional and not frequent readjustment is required in response to the market dynamics. Generally, core mutua
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