Personal Finance Print

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

Central government bonds, rbi bonds, foreign portfolio investors, fpis, FPI category, FPIs for investment, RBI rate formulation, RBI Monetary Policy Committee News

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

Small Savings Schemes, Small Savings Schemes interest rates, interest rates hiked, PPF, News

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

Wedding costs, how to reduce Wedding costs, how to plan Wedding costs, wedding planning, getting married, financial planning for marriage, dream wedding, marriage, budget News

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

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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.

Insurance News

Expect another 75 bps rate cut in this cycle

With the current local and global backdrop, and with obvious constraints on fiscal policy, it is reasonable to expect the current easing cycle to prolong.

Economy News

Model tenancy bill: Rental incomes may get a fillip

The archaic tenancy laws keep rents low, which then prevents owners from spending money on maintenance of buildings.

Money News

Deductee can claim credit on TDS on sale of property on basis of Form 26AS

By Chirag Nangia We sold our house in October last year and purchased a new one in February 2019. TDS was deducted by purchaser on the sale and we have deducted TDS for builder. Consideration price of

Income Tax News

Know benefits of equity fund-of-funds

When a EFOF manager chooses a basket of equity funds for your money to be invested in, the risk of wrong selection of funds is reduced.

Money News

Fundamental or technical analysis: Which is better?

Fundamental analysis is more theoretical as it seeks to determine the underlying long-term value of a security.

Markets News

To avail Section 54 benefit, construction of new flat should be done within 3 years

I sold a residential property in 2011 and invested part of the long term gain in an under-construction residential property. The delivery was scheduled in October 2013. But there is no progress till d

Money News

Strong distribution helps private insurers

Marketing of insurance service is critical and complex due to the periodicity, claims and brand switching costs that affect buying behaviour. Distribution is one of the key determinants of succes.

Insurance News

FD: Why debt market needs to be more liquid

While any investor can open a demat account or a brokerage account and buy shares, the access to bond and money markets is still quite restrictive

Senior citizen, retirement, bank fixed deposits, Senior Citizen Saving Scheme, SCSS, Pradhan Mantri Vaya Vandana Yojana, PMVVY, post office MIS, equity mutual funds, NPS and PPF, Section 80TTB, income tax return, ITR. News

Your money: Goal-based investing ensures peace of mind

A good financial plan can put back your financial life on track and help you achieve your financial goals

Goal based investing, investing tips, financial advice, savings tips, financial planning, financial life News

Embedded value: Life insurers need to be wary of Mutual Fund challenge

If mutual funds turn their focus on those states which have been traditional grazing ground for life insurance firms, the latter could be in trouble

Mutual Fund, Assets under management, LIC, mutual fund industry, financial market, mutual fund investors, ELSS, Group insurance premium News

Retirement planning: Number of employees under defined benefit drops

Retirement costs for public sector banks is gradually dissipating as the ratio of employees who are in defined contribution is 60% today as compared to 10% in FY11

Retirement planning, Retirement planning tips, retirement costs, pension, retirement liabilities, benefit scheme, active employees News

Improving shareholders’ financial returns is the top goal of CFOs: Amex survey

About 83% of CFOs are looking at moderate to aggressive increase in spending and investment this year to support topline growth and 33% CFOs expect their company’s spending and investment worldwide

shareholder, financial return, CFO, Amex survey, spending, investment, Manoj Adlakha, American Express India, American Express News

Life Insurance: Surrender and annuity norms made customer-friendly

The regulator has made some changes to insurance pension products on the lines of the National Pension System. All individual pension products will have explicitly defined assured benefit payable on d

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How mutual funds can help fulfill your long-term goals

From your kid’s education to buying your dream house to building your nest egg, investing in mutual funds can help to finance all your financial goals

mutual fund, long term goal, mutual fund investment, education fund, marriage, vacation, deam home News

Budget 2019: Buybacks may not be a lucrative option

Union Budget 2019: From the perspective of the tax authorities, with the buyback tax they have plugged a loophole that allowed promoters to reward themselves. This goes in line with the approach of th

Budget 2019, Buyback, lucrative option, union Budget 2019, Budget 2019 india, Tax, share News

Each SIP installment is fresh purchase; check exit load when redeeming

If one is investing Rs 1,000 through monthly SIP in a fund that charges an exit load of 1% for holding period less than one year and now wants to withdraw towards end of two years, then investments ma

SIP,  SIP installment, KYC, Aadhaar number, education loan, loan, personal loan, savings News

Mutual Fund Investment: Why you need to invest in a hybrid multi-asset mutual fund

For successful investing, the question to answer is not what will change, but what will not. And what does not change is the fact that asset classes grow and contract in cycles.

hybrid multi asset mutual fund, mutual fund,  Quantum Mutual Fund, equity, debt, gold,  high risk investments, money News

Financial planning: Five steps towards financial freedom

Discuss and take important actions such as paying debt, gaining control over spending, saving for children education, retirement, tax planning, early retirement, and the like.

financial planning, financial freedom, personal finance, emergency fund, debt, insurance, IIM Tiruchirappalli News

Infosys Rating | Buy — A robust performance in the first quarter

The stock trades at a valuation of 17.4x FY20e EPS, and we retain it as our top pick. Maintain ‘BUY/SO’ with a revised target price of Rs 923 (Rs 880 earlier, 20x Q3FY21e EPS) as we roll over to Q

Infosys, Infosys Rating, share market, market news, growth, infosys earning, infosys share News

Do you know how to take a loan by pledging gold? This may help you

Sure, any home loan lender will consider your case for a home loan. However, if the fair market value (FMV) of the flat is higher than the sale price of Rs 30 lakh, you may still have to pay the stamp

Post office small savings, small savings, Bank fixed deposits, Investment options, RBI, repo rate, interest rate News

Astral Poly Rating | Hold — Making hay while the sun shines

Growth in the adhesive segment is likely to be back-ended in FY20 due to the shift currently happening from a stockist model to a distribution-led model.

Astral Poly Technik, Astral Poly Technik Rating, market news, share market, ASTRA, PVC pipes, CPVC pipes,  News

Stock corner: ‘Buy’ Shriram Transport Finance, company saw momentum loss in FY19

After nearly doubling in FY18, slippages were largely stable YoY at Rs 66 bn in FY19. However, there has been a sharp increase in bad debt write-offs in FY19 – up 60% YoY to Rs 23.4 bn.

Shriram Transport Finance, momentum loss, NCD, ECB, market news, IGAAP, SHTF, AUM  News
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