Personal Finance Print
Mutual Funds: Invested in credit risk funds? Shift to safer banking and PSU funds
You should evaluate the current portfolio of the fund to understand the extent of holdings in various rating buckets, such as AAA, AA, A rated, etc., and cash holdings.
Why smart investors are buying gold in midst of Covid
Gold as an asset usually shares negative correlation with other assets (such as equity, debt and real estate), and tends to perform better during risk-off periods. It protects the investors’ capital
Reimbursement part of salary to change! Wi-Fi, BYOD, home office furniture allowance may be new normal
Raj N Phani, the founder of Zaggle, a payments start-up, says pay structure realignment is happening in corporate India as a response to Covid-19
Senior Citizen Savings Scheme (SCSS), FD to GoI Bonds: Top investment options for senior citizens
Best investment options for senior citizens during Coronavirus pandemic: Check out investments that can be done online without having to go out.
Employees Provident Fund calculation: How much more you will take-home after PF rules change for COVID-19
EPF calculation: In the CTC salary model, take-home pay goes up by 4% of wages before tax, but for others hike in take-home is at the cost of reduced total salary.
Edelweiss AMC announces second tranche of Bharat Bond ETF – Details
The Bharat Bond ETF had successfully raised over Rs 12,400 crore from a diverse set of investors in its debut offering in December.
Covid effect: RBI extends EMI moratorium for another three months
Reserve Bank of India (RBI) governor Shaktikanta Das on Friday allowed borrowers to pause loan repayments for three more months till August 31. The central bank has granted a moratorium instead of pro
Covid-19: What changed for health insurance before and after pandemic
Given the gravity of the current situation and the worldwide panic surrounding it, people now, more than ever before, are concerned about their health and that of their families.
Your money: Know how big a home loan you can get
Housing finance companies look at your monthly salary and your age to determine loan eligibility.
Boost to Employees Provident Fund: 79 lakh new PF accounts opened in FY20
The data of net new subscribers is based on the Universal Account Number (UAN) generated in the system and where the first non-zero subscription was received, the EPFO said.
Can you offset stock market loss with Gold ETF? EPF withdrawal, and other queries answered
An employee can withdraw funds from EPF account on retirement or can prematurely withdraw money for reasons like job loss, marriage, education, purchase or construct-ion of house, medical emergency.
Covid-19 personal loan scheme: Money available at reduced rates; should you take?
Just because Covid-19 personal loans are available at reduced rates does not mean that one should opt for it.
Grappling with fear of Covid-19: Flight to safety as investors move to FDs
While the higher interest rates on company deposits are tempting, remember these are unsecured loans. Repayment of principal and interest are not guaranteed. In case of any default or delay, investors
Govt order issued for reduced EPF contribution for 3 months
Government-owned entities and their employees, both at the Centre and the states will continue to contribute 12% each towards EPF.
Tax savings not needed? Then switch to non-ELSS funds or NPS
Tax savings not needed? Then switch to non-ELSS funds or NPS
Old tax regime or new regime: Making the smart choice
Taxpayers are facing a unique dilemma, i.e., whether to select the traditional old tax regime of claiming tax deductions or to give away the tax deductions and claim lower tax rates provided under the
How to forge a new path to your financial goals
A cautious investment strategy for capital protection is warranted in the short term to tackle the Covid-19 shock. Investors must review their portfolios regularly
Insurance: Are you a retiree? Five tips for buying a health plan
Senior citizens need to check the rules for waiting period for cover of existing diseases and co-payment charges when selecting a health insurance plan.
COVID-19 impact on dividend income: Learning to live with dividend cuts
Cut in dividend payouts will reduce your income and also your portfolio value. To avoid this, do not invest more than 15% of your portfolio in a single sector.
Delayed EPFO payment not to attract penalty
Depending on the duration, delayed payment now attracts penalty of between 5% and 25% on the shortfall of payment of dues.
PM pension schemes for very poor, small traders get off to a slow start
The two old-age pension schemes launched last year – one for the poorest of the poor namely street vendors, rickshaw pullers and rag pickers and the other for self-employed and small traders – hav
Low-end housing to receive PPP boost, CLSS support extended by a year
The steps will also give the much-needed impetus to the revival of the real estate sector and allied industries like steel and cement.
Covid-19 Crisis: Five steps to saving money in these times
It will be prudent to conserve money, reduce expenses and identify ways to increase or sustain the inflow of cash.
Bonds or equity: Which one gives higher returns over the long term?
Over the long haul, if you do a judicious allocation to equity, debt, or any other asset like gold, you would get decent returns.
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Budget 2020
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