Personal Finance Print

How to revive dormant PPF, Sukanya Samriddhi accounts

Here are the various rules investors should follow if any of their small savings accounts like PPF and Sukanya Samriddhi accounts become dormant.

Money News

Taking an education loan? You have to furnish name of guarantor

Then decide to go for a longer term loan with the flexibility to pay off earlier, as and when you have extra funds. This way your monthly obligation of EMI will be lower.

Money News

Higher gold prices in India are more a function of exchange rate

Further, trade negotiations over tariffs between the US and China are underway and any movement therein will impact the currencies, which will have an effect on gold.

Money News

Smart investing: Four ways to ride out volatility in the market

While most investment options have lock-ins and limits on withdrawals, barring ELSS, there is no such bar in mutual funds. One can invest, switch, transfer and liquidated funds at any moment.

Money News

Investing your money? Four avenues to multiply your corpus

These four sources of investment will help you expedite your decision-making process and figure out the best course of action that can be taken to maximise your return on investment.

Money News

Debt funds: Here are five factors you need to consider

The degree of increases or decreases in their NAV would also depend on the maturity of their constituent securities.

Money News

Smart Investing: Four tips to withstand market volatility

Market volatility, no matter how undesirable it seems, is a reality every investor needs to get acclimatised to.

Markets News

On a wing and a prayer: No insurance yet for majority of Indians

41% with child’s education as their major worry have not invested in any child insurance plan, 51% have not purchased any term plan.

Insurance News

Returns posted by fund houses are subject to audit

Equity index funds invest in stocks by typically replicating a benchmark equity index such as the S&P BSE Sensex, Nifty, etc.

Money News

Your money: Six steps for tax planning after your retirement

If you plan to retire at 60 and supposing you survive till say 80 years, you need to accumulate a corpus of around 3.45 crores.

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Health insurance: Call for plain vanilla product to attract youngsters

The standard product, which will have to be offered by all general and health insurers, will incentivise young policyholders

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Senior citizens with business income to deposit advance tax by July 31

Last date of advance tax liability for senior citizen is March 15, 2019 for FY 2018-19.

Income Tax News

Black Money Act: Report all foreign assets in tax returns

Recently, the action of the tax authorities was challenged in a writ petition before the Calcutta High Court in the case of Shrivardhan Mohta Vs Union of India.

Income Tax News

Investment deadline approaching: Do not buy life insurance just to save income tax

Tax exemptions are only incentives given to encourage people to buy life insurance in the absence of a comprehensive social security system

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Protection not a priority? Only two out of 10 Indians have term insurance

A survey reveals that women are grossly under-protected as only one-third save for future stability

Insurance News

When a stock rises or falls, mean reversion can help rebalance your portfolio

Most investors when they see stocks fall by XYZ per cent they calculate in their mind the fall from its high and average price that it was trading before and would come to a conclusion that it is chea

Stock markets: Mean reversion can help rebalance your portfolio (Illustration: Shyam Kumar Prasad) News

Getting a motor insurance? Here are riders you should know about

Motor insurance policies can be distinguished on the idea of features such as liability coverage, collision coverage, medical payment coverage and personal injury coverage.

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Stock Markets: You can add a global flavour to your equity portfolio

The US markets have outperformed Indian markets both in absolute as well as risk-adjusted terms on a total return basis in the last 28 years.

Stock markets: You can add a global flavour to your equity portfolio (Illustration: SHYAM Kumar Prasad) News

Choose between Ulip and traditional plan on your needs

The child receives a corpus post the policy term is over. In case of any eventuality of the premium paying parent, death bene-fits are paid to the nominee and the rest of the premium is waived off.

Choose between Ulip and traditional plan based on your needs, risk-taking ability News

Volatile markets: The only edge is a long-term investment

We would deploy capital on moves lower between now and the election, with additional allocation post the election should markets deliver a surprise verdict.

Volatile markets: Only edge is longer-term investment (Illustration: SHYAM Kumar Prasad) News

Risk and reward: How to identify risk in a volatile market

The drawdown concept helps measure volatility risk by looking at how much prices of a stock or fund have fallen, historically, in the worst-case scenario.

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Getting negative returns from markets? Stay invested for the long-term

The last few months have tested the patience of investors investing in equity and fixed income, especially bonds. The double-digit returns in equity markets of the year 2017 looks like a distant past.

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Can add transaction charges to calculate capital gains on sale of house only

A short-term loss can be set off against both short-term and long-term gain but a long-term loss can be set off against only a long term gain.

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Never sign your insurance application blindly, may face problems realising claims

Insurance application requires every detail to be mentioned correctly. If you provide incorrect information about yourself, you may have problems realising claims.

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Right time to invest? Equities appear less risky, higher returns in long-run

Foreign institutional investors (FIIs) in the month of January were inactive with sell orders of $75 million.

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Inheritance: Five tips for smooth transfer of assets after death

We all know that death is inevitable, but still very few of us care about making a plan for handling the financial decisions the surviving spouse or family will need to make.

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Life Insurance: Private insurers’ premium collections up 10 per cent

Growth rate had moderated in April-July 2018 but has picked up in later months.

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