Personal Finance Print News
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FMP, short or long term debt funds: What’s right for you?
FE Bureau | July 9, 2018 12:35 AMIf you are investing in fixed income for the long term as an asset allocation strategy, you may continue to buy long-term funds even in rising rate environment.
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Are you eligible for a loan? Here’s what you must know
Adhil Shetty | July 9, 2018 12:34 AMAsking for a loan without having an idea about your credit worthiness may increase the chances of facing rejection and dent your credit score further.
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Explained: How to save income tax through your family members? What you must know
FE Bureau | July 6, 2018 2:12 AMInvesting in the name of parents and parents-in-law can not only help save tax but also ensure higher post-tax returns on investment.
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Decoded: How your mutual fund investments are taxed
FE Bureau | July 6, 2018 1:57 AMThe tax impact is much lower in case of LTCG on debt funds and equity funds. In case of debt funds, there is an indexation benefit available that reduces the taxable gain.
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How mutual fund investors can benefit from rising interest rates
FE Bureau | July 4, 2018 2:04 AMWhen interest rates are looking to go up, choose debt funds with shorter maturity profile like short-term funds or ultra short term funds. Conservative investors may consider liquid funds and fixed maturity plans.
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Income Tax: Only 1 house can be declared as self-occupied by husband and wife as joint owners
Suraj Nangia | July 4, 2018 2:00 AMOnly one property can be declared as self-occupied house property by the joint owners which is occupied by them and all other properties shall be deemed to be let-out for the purpose of computation of income under the head ‘house property’.
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Want to invest in foreign equity? Know these 4 ways to invest and their tax treatment
July 4, 2018 3:46 PMUS stocks like Apple, Facebook, Alphabet, Amazon have shown a steep upward growth.
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Financial planning: Lifecycle investing strategy – Do the benefits outweigh the risks?
P Saravanan | July 3, 2018 2:17 AMLifecycle investing will deliver a relatively higher return given the elevated allocation to riskier assets until middle age after which a more conservative asset allocation approach is taken. This may be appropriate for some, but not for many investors as they need to manage their ‘longevity risk’
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Mutual funds: Past performance irrelevant if there is major change in fund strategy
Dhaval Kapadia | July 3, 2018 2:11 AMPost Sebi’s re-categorisation norms, many MF schemes are undergoing change.
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Explained: How limited scrutiny approach can avoid pendency of tax litigation cases, arrears and delays
Suraj Nangia | July 3, 2018 2:05 AMWith the Modi government tightening its noose on tax evaders, there has been a tremendous rise in the number of prosecutions initiated by the income tax department. Taxpayers are receiving notices requiring them to furnish details of transactions. The government is gearing up for stricter enforcement, especially in cases where there is wilful attempt to […]
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Mutual Funds investment: As interest rates rise, fixed maturity plans get popular
Saikat Neogi | July 2, 2018 7:17 AMWith interest rates moving up, investors can lock in money in fixed maturity plans for at least three years to earn higher, tax-efficient returns compared with bank deposits
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How to change name on physical share certificates: Here are Sebi’s new simpler rules
FE Bureau | July 2, 2018 2:52 PMSebi has simplified the process to notify the name change on securities held in physical form. According to the markets regulator, the move would help in simplifying the “procedure of change of name in individual Beneficial Owner’s (BO) account”.
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Investing in stocks? Invest for the long term – Here is why
FE Bureau | June 29, 2018 12:49 AMThe more time you give your investments, the more you can accelerate the income potential of your original income
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Stock market: Beware of sure-shot investment tips, trial packs from scamsters
FE Bureau | June 29, 2018 12:44 AMScamsters take advantage of the greed of clients, whom they have smartly manipulated to become so devoted to their tips that they are ready to part with their money
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Low credit score? Check for overdue of payments
FE Bureau | June 27, 2018 1:17 AMIf your credit score is less than the recommended 750, the reason could be an outstanding payment or overdue amount reflected on your credit report.
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Golden rules you must not miss! Here is why you need to start investing early
Saikat Neogi | June 27, 2018 1:07 AMWhatever the circumstances, do not let greed guide the decision of asset allocation. At the same time, even fear should not guide the decision making in asset allocation.
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Top 4 tips for 1st-time investors in the stock market
FE Bureau | June 27, 2018 12:58 AMDon’t expect magnificent results from day one. Initially, you may also lose some money. Combine investing with sound money management skills. Invest regularly. In any form of investing, discipline and regularity are the most important determinants of success.
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Smartphones are getting smarter but the PC is a powerful work tool
FE Bureau | June 27, 2018 12:52 AMSmartphones are getting smarter, but the humble PC is a gateway to professional success.
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Income Tax: 10% TDS on joint development agreement for property purchase
Suraj Nangia | June 26, 2018 7:47 AMIf one have entered into a joint development agreement with seller, then there is a liability to deduct TDS @10% for the monetary consideration (i.e., other than kind) while making payment.
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G-Secs: Fixed income investment for very long-term – Reliance Nivesh Lakshya Fund
FE Bureau | June 26, 2018 2:09 AMBy buying units of mutual fund scheme Reliance Nivesh Lakshya Fund, which is available from June 18-July 2 as an NFO, you can invest in G-Secs of very long maturity
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Liquid funds or short-term bond funds: Which one is right for you?
FE Bureau | June 26, 2018 2:07 AMInvestors who want to keep money for very short periods of time but want a higher interest than offered on savings account may invest in liquid funds.
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How to grow insurance industry
Kamalji Sahay | June 25, 2018 2:47 AMThere is a need to redefine potential customers and their insurance needs to ensure that the insurance industry grows at an accelerated pace.
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Equity Strategy: Prefer large-caps over mid-caps
FE Bureau | June 25, 2018 2:30 AMBet on banks (private corporate and retail), discretionary consumption, industrials and domestic materials, while avoiding healthcare, staples, utilities & global materials.
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Private insurers focus on Ulips for individual business
Jefferies | June 22, 2018 12:22 AMThe product mix is slowly shifting towards Ulips as stringent cap on surrender charges offer better proposition to policyholder than traditional par-savings.
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Life Insurance: 3 steps to choosing the right insurer
Nirjhar Majumdar | June 22, 2018 12:15 AMAn insurer’s claims settlement ratio and lapse ratio alongwith average productivity of its insurance agent tells how efficient an insurer is
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Income Tax: Professional fees is not salary; use ITR-4 to file return u/s 44ADA
June 20, 2018 1:03 AMTDS is being deducted under Section 194 J which clearly shows that professional services are being rendered by one to the company and you are not working as an employee of the company.
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Cyber fears: Digitally active, but not digitally secure
Sudhir Chowdhary | June 20, 2018 12:55 AMDigital consumption in India is on a rise with Indian consumers actively engaging on digital platforms—however there is a heightened risk of fraud, with approximately one in four customers falling prey to online deceit, says an Experian’s Digital Consumer Insights report.
Horoscope: By Peter Vidal
SAGITTARIUS Your creative energy should now be at a peak, but not perhaps because the stars are all on your side. On the contrary, challenging romantic stars remind us of the cliché that all great art stems from… read more
