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Personal Finance

January 06, 2015
Buying retirement plans? These options can be of great help
Insurance firms have designed amazing retirment plans to lure more customers.
January 05, 2015
Filing returns? Check your tax office jurisdiction
A huge cadre restructuring in the I-T department, with the creation of over 20,700 posts recently, has brought about a number of changes in the existing jurisdictions of assessing officers of the department across the country.
December 31, 2014
Victim of online fraud? Here's what you can do
The most difficult case for the consumer is when your card is cloned and used online.
December 12, 2014
Golden tips to invest wisely and save tax
Few options that can help you plan taxes wisely.
December 02, 2014
I-T returns filing is incomplete if you don't send ITR-V
If you are one of those who are relying solely on your chartered account friend for all income tax assessment submissions, make sure to check for the ITR-V submission to avoid any problem in the future.
December 01, 2014
Beware of get-rich-quick tips
The stock exchange does not store and display the numbers of investors. That would be like a bank publishing the details of its customers for everyone to see.
November 28, 2014
Balanced funds can work wonders for first time investors
Balanced funds may be a good option for first-time investors.
November 27, 2014
Guaranteed plans will give lower returns than FDs, debt
Life insurers are launching these again. Invest if you are conservative.
November 18, 2014
Don't miss Nov 30 deadline for sending tax returns verification
Not mailing ITR-V on time has many negatives. You might be fined Rs 5,000 a return for failing to file returns by the end of the assessment year.
November 10, 2014
Golden tips to maximise returns on investments
Subramaniam feels it does make sense to have some overlay in lump sum if one has the cash to do so.
November 05, 2014
Why you should choose a young nominee for your investments
A charitable organisation supporting a cause close to the investor's heart can also be a nominee.
November 03, 2014
Golden tips to build an emergency fund
An emergency fund, as the name suggests, is one in which you have three months to six months' salary.
October 30, 2014
How poor health can impact your long term savings
Experts have been talking about the perils of being uninsured or underinsured.
October 28, 2014
Things you should know before buying a health policy
Health insurance has almost 23 per cent market share in the general insurance space. Keep these factors in mind before investing in mutual funds
Ask about the fund house's other schemes and how these have performed over time.
October 23, 2014
How to maintain a good credit score
Each enquiry could pull down the credit score by 5-10 points.
October 14, 2014
Real estate sector has little to cheer this festive season
Delayed project delivery and unrealistically high real estate prices, which developers are unwilling to lower despite piled up inventories, have adversely hit the sector.
October 13, 2014
Stay invested in the markets to make money
A 'timing plus SIP' method could match the commitment of x in ordinary months and commit say, 2x or 3x in months where there has been a big correction.
October 12, 2014
Why it's good time to buy commercial property
With a stable government at the Centre and the a renewed sense of confidence among the industry, there is expectation that there will be more demand for office space.
October 07, 2014
The new Insurance Bill will breathe life into the ailing sector
The new Insurance Bill will boost investment in the sector
October 03, 2014
10 mid-cap stocks that can give you attractive returns
More, many market gurus expect the Sensex to reach 30,000 levels by December and 40,000-45,000 in three to four years.
October 02, 2014
Stock pick: How to benefit from India's e-commerce boom
These stocks are overvalued and, therefore, one should not adopt a buy and hold strategy.
October 01, 2014
Fixed deposits may not give you higher returns in future
Slow credit off-take to put pressure on margins
September 30, 2014
Which one to opt for: Consumer or credit card loan?
A discount on the product may make a credit card loan seem cheaper than a consumer durable loan. But missing a payment in case of the former will mean exorbitant charges.
September 26, 2014
Applying for a home construction loan? Some important tips
The estimated cost breakdown is one of the most important forms in the construction loan package.
September 25, 2014
Balanced funds can give you attractive returns
Investors with moderate risk profile and investment horizon of over three years could look at investing in balanced funds.
September 19, 2014
Kashmir floods: An eye opener for buying travel policies
The shortest duration for which one can buy travel insurance is seven days.
September 15, 2014
Are realty investments in smaller cities profitable?
An analysis of the National Housing Bank's Residex shows from 2007 to now, almost all tier-II cities have seen their residential property prices appreciate by 45-120 per cent.
September 11, 2014
Benefits of buying insurance policy at an early age
Most policies have a 30-90 days waiting period, during which you will not be able to claim any hospitalisation expense, except in case of accidents.
September 09, 2014
Does paying rent means wasting your hard earned money?
Contrary to popular belief, it does make sense to live on rent in your dream house, and own a smaller property, says Manish Shah. How to give your child a head start
The hard truth is that unless you start investing for your children in advance, in appropriate investment avenues, you are risking their future aspirations. Ensure that your TDS reaches the Income Tax department
If not, an assessee might be charged interest for not paying TDS on time.
September 08, 2014
Fixed-rate home loans are back -- should you take them?
Despite intermittent attempts by lenders to come out with fixed rate home loan products, the high interest rates (as compared to floating rate home loans) ensured that they were not considered as a real option by consumers. New PF rule may lower take-home pay
But increase in the statutory contribution will boost retirement corpus Why FDs are still the most popular saving options
The interest rate on FDs hasn't changed much over the years.
September 04, 2014
Don't let your insurance policy lapse
Now insurance companies will train agents not only to get new business but retain existing customers. 6 investment mistakes you should avoid
Investors should diversify their portfolio to reduce risks.
September 03, 2014
Want to make money in the stock markets? Here's how!
Market experts say booking profits could be unwise. If you are nervous, go for dividend-yield stocks.
September 02, 2014
Going abroad? Don't forget your travel card
Travel cards are like debits cards-loaded with the currency of your choice or which the lenders offer. Is this good time to invest in gold?
Gold prices have eased off in recent months after the formation of a new government bringing in positive sentiment back to the stock market.
August 28, 2014
Five best personal finance tools
Online and mobile based personal finance applications have gained importance over the past few years.
August 26, 2014
Don't do systematic investment in short-term debt funds
This works only for longer-tenured ones such as income funds, as the element of interest rate risk is reduced.
August 25, 2014
India once had one of the highest income tax rates in the world
Forty years ago, an individual in the highest tax bracket (above Rs 70,000 per annum) had to pay 70 per cent income tax.
August 21, 2014
158 stocks have zoomed over 50% since poll results
25 stocks have more than doubled their value and 133 have risen between 50 per cent and 100 per cent.
August 19, 2014
Should you pay to withdraw your own money?
These include all kinds of ATM transactions. In short, you will be allowed eight free transactions, after which there would be a levy, which should suffice for most people.
August 18, 2014
Construction delayed? Builder must return money on demand
Builders will have to suffer the consequences of illegally holding on to a consumer's money and refusing to refund it.
August 11, 2014
Why it's good time to scout for property
With prices unlikely to run up sharply, genuine buyers can start readying deals before the festival season starts. PPF still the best among tax-exempt instruments
PPF still stands out as one of the best among the instruments giving exempt-exempt-exempt (EEE) benefits, which makes it one of the most popular investment products say financial planners. Want to save more? Smart tips to make you richer
Look at savings as a percentage of income rather than a fixed amount. Both should rise in the same proportion.
August 06, 2014
Key questions you must ask your agent before buying a policy
If it is about saving tax and you don't have a policy already, there is a case for buying. Stocks that could be the next big hit
Incremental FII flows will now target quality mid-cap companies, with good earnings visibility.
August 05, 2014
It's time to invest in stocks, not to withdraw
High-frequency macroeconomic data suggests that worst is behind us and the economic cycle is turning.
August 04, 2014
Is it right to phase out insurance plans?
It is advisable to convert all investment plans into a paid-up one. Why systematic investments in top equities make sense
It's also important to understand the rationale behind choosing particular stocks and when to sell.
August 01, 2014
Moving jobs? Furnish tax statement
Since employers can't furnish Form 16 in the middle of the year, they give Tax Computation Statement.
July 31, 2014
Don't shift to online health plans to save costs
Savings on premium are as high as 50%; things might get complicated if your health deteriorates.
July 30, 2014
Should you bet big on these PSU stocks?
Stocks of government probables for divestment or stake sale such as Steel Authority of India (SAIL), Mahanagar Telephone Nigam (MTNL), National Aluminium Company (Nalco) and Container Corporation (Concor) have outperformed the markets in the past one year.
July 28, 2014
Filing tax returns? Avoid these errors
With July 31 just around the corner, everyone must be busy with their income tax returns. Filing returns has become convenient since it can now be done electronically.
July 25, 2014
Should you roll over your FMPs for 3 years?
One should base the decision on one's potential liability under the new tax rules. Invest in infrastructure to get good returns
The infra sector broadly includes real estate, steel and cement companies.
July 22, 2014
Delay in filing income tax returns may hurt your financials
It is always adivsable to file income tax returns on time.
July 17, 2014
Home loans up to Rs 50 lakh to get cheaper
The Reserve Bank has paved the path for increasing the liquidity for banks, enabling several positive steps in the real estate sector. Want to make money? Go for these 11 stocks
11 top defensive stocks in the information technology (IT), pharmaceutical and fast moving consumer goods (FMCG) sectors made a new all-time high, while cyclical stocks saw a sell-off.
July 16, 2014
Affordable housing to become cheaper!
The Reserve Bank of India (RBI)'s move to bring housing loans of up to Rs 50 lakh under priority sector lending, against loans of up to Rs 25 lakh currently, is expected to provide a boost to home loan borrowers and real estate companies. 5 stocks that can make you richer
Despite largely being ignored by market participants, these are worth considering.
July 15, 2014
15 stocks that promise high returns
Here are 15 companies that research houses believe could see significant impact due to the Budget proposals.
July 10, 2014
Budget 2014 offers Income Tax savings up to Rs 36,000
Investment in Public Provident Fund up to Rs 150,000 would now be exempt from tax.
July 03, 2014
These investment plans will offer you 27% returns
Investors can take exposure in such schemes. Selection of funds, however, is very important
July 01, 2014
How to make money from stocks
History has shown that cyclical stocks (capital goods, metals, banking, infrastructure, etc) are some of the best performing stocks in an up-cycle.
June 26, 2014
How to avoid late fees on credit card dues
According to data provided by, for most banks, late payment fees range from Rs 100 to Rs 1,000, depending on the dues.
June 24, 2014
Should you opt for a high-value health cover?
Typically, an individual buys a health cover between Rs 3 lakh and Rs 5 lakh. Retail investors can now buy shares of listed companies
Don't count too much on the anchor investor quota, as it will provide stability to the stock for only a short period
June 19, 2014
No medical test sought? Your insurance claims may be rejected
For online plans, the drop-out rate for policy buyers increases if there are too many questions.
June 18, 2014
New gold ETF norms may make investment risky
Provision to invest in gold deposit schemes introduces credit risk to such funds
June 17, 2014
High growth stocks at reasonable prices
Though the stock markets have gone up, many offer good potential for returns.
June 11, 2014
How automated trading has driven the Sensex
Share of volumes through computer-generated algorithmic orders rising fast, but smaller players still trying to catch up in technology stakes.
June 10, 2014
Why India can't do away with taxes
the BJP is pitching for major reforms in the 'taxation regime' in its current form in India.
June 09, 2014
I-T laws that complicate your life
Many direct taxation rules lack clarity and the rulings on these also differ from case to case.
June 06, 2014
Sensex to touch 100,000 by 2020? A reality check
From a low of 7,697 in October 2008, Sensex tripled to its current 25,000 during one of the most trying times.
June 04, 2014
3 handy tips to gain maximum tax benefits
Always remember to check whether the recipient of the charity has valid 80G approval Tips to help you select best stocks
Apart from the individual company performance, it is also important to look at the sector's performance.
June 01, 2014
People put two-thirds of their savings in houses, gold
In 2012-13, financial assets, including banks deposits, mutual funds, equity, bonds, and pension and insurance funds, accounted for only a third of all household savings, down from nearly half in 2006-07.
May 30, 2014
3 useful tips to choose the right insurance policy
One should choose a suitable insurance policy which does not disturb lifestyle.
May 29, 2014
5 riders you should consider while buying a policy
There may be situations when a general life insurance policy may not be adequate to cover certain life uncertainties.
May 27, 2014
Modi effect: 172 stocks zoom by 100%
These include Adani Enterprises, BEML, TVS Motor, KEC International, Sintex Industries, Ceat and Suzlon Energy.
May 22, 2014
When should you transfer your existing home loan?
The interest rate difference should be at least 25 bps. If the existing lender gives the same rate for a fee, it may be more convenient. How to exploit a possible bounce in the dollar
In the past two months, FIIs have pumped over Rs 18,000 crore into Indian equity. The Nifty is up by 8% over that time period, as a result. The rupee is also up 2.5 per cent versus the dollar Should you invest in gold now?
If you have a short-term horizon, it might be better to wait for a while, say analysts. 12 stocks that can offer high returns to investors
Rising risk appetite amid higher confidence and attractive valuations favours these counters, apart from their performance.
May 21, 2014
Cashless motor insurance has limited benefits
Hurdles such as approvals for repair and fixed rates can make the process time-consuming.
May 19, 2014
Market rally: These stocks can offer high returns
The recent rally has seen investors' preference shift to high-beta and policy reform-driven sectors like capital goods, banking, power, infrastructure and oil and gas.
May 15, 2014
Good time to invest in small- and mid-caps
Emerging business theme-based funds basically invest into mid and small-cap stocks, which normally have the potential to grow faster.
May 12, 2014
3 smart important money lessons for your kids
It is never too early to start teaching children the value of money and the importance of finance planning. What should you do with your investments on May 16?
As investors brace for the announcement of election results, the Volatility Index is surging. Here's how to negotiate the turbulence.
May 09, 2014
It's good time to buy beaten-down shares
One in five stocks from the BSE-500 index has underperformed the market and recorded losses. Do you have an inoperative bank account?
The Reserve Bank of India has told banks not to levy penal charges for non-maintenance of minimum balances in any inoperative account.
May 08, 2014
Azim Premji, Narayan Murthy manage wealth with family offices
Family office basically caters to the investment - financial and non-financial - needs of a family and its members. Five things bank will check before approving your loan
Usually, banks will offer a lower credit limit to a first-time borrower and subsequently increase it as the borrower builds a repayment track record.
May 05, 2014
Be careful with the 'no-interest' offer on credit cards
The option to carry forward the outstanding amount without any interest could lead the card holder to use the card recklessly and spend too much.
May 02, 2014
Investing in stocks: Take the plunge now or wait?
As day of poll result nears, rise in market volatility making things more difficult
May 01, 2014
Real estate fund managers scout for good assets
According to Cushman & Wakefield, the total value of investments in the residential segment for 2013 was recorded at Rs 4,050 crore ($650 million). All about an SIP that provides dollar hedge
Such schemes need 3-5 yrs to take advantage of dollar and market risk.
April 30, 2014
Manic May: Should you sell stocks or wait it out?
The air of expectancy around the election outcome has kept things heated.
April 28, 2014
Tax-saving investment can be done within calendar month
Taxpayers need not invest proceeds from sale of property strictly within 180 days from date of sale to get exemption under Section 54EC. Why real estate will mirror stock market's bull run
Given its risky profile, the realty sector could collapse if the bull run fails to take off
April 25, 2014
Investing: Should you go for stocks or gold?
Stocks continue to outshine gold and silver when it comes to adding to investors' wealth by giving 8 per cent return so far this year.
April 24, 2014
5 reasons why investors are shying away from gold ETFs
According to the latest statistics from the Association of Mutual Funds of India, gold ETFs have lost 18 per cent of their investor base since May.
April 21, 2014
This is the best time to gain maximum from small-cap stocks
For now, small-caps are still reasonably priced and have lower valuations than large-caps. Letting out your apartment as hostel or serviced flat? Read this!
Though you will see a good jump in rent, you have to incur a high cost for providing various facilities and ensuring good maintenance.
April 18, 2014
Can you invest and grow rich like Warren Buffett?
He invests like an owner and keeps himself aware of his own weaknesses.
April 17, 2014
How to make money once election results are out
A month from now, once election results are out, prices could move with dizzying rapidity.
April 14, 2014
Guard your tax papers, an identity thief can steal them
Sensitive information such as PAN data can be misused to claim a fraudulent tax refund or obtain a credit card or a loan.
April 10, 2014
Elections: How to protect your portfolio from a market crash
One possibility is to completely ignore the political situation and keep systematically investing in whatever he fancies. Golden tips to plan tax investment wisely
Don't plan investment at the eleventh hour.
April 07, 2014
Should you play the pre-election rally?
You can start an SIP but don't overhaul the portfolio.
April 04, 2014
5 stocks that can give you HIGH returns
They are large-caps, leaders in their business and have good brand value.
April 03, 2014
Axis Bank offers home loans for below Rs 10,000 earners
Private sector lender Axis Bank has launched a home loan product for households earning as low as Rs 8,000 a month, targeting disbursals of up to Rs 1,000 crore (Rs 10 billion) in a year's time, a senior bank official said.
March 31, 2014
When to go for online insurance plans
Having an agent can help in the case of older consumers with pre-existing diseases or if there is a break in policy. Otherwise, online is cheaper and there is help, too
March 28, 2014
Splitting stock pays rich dividends
A sub-division in the face value of equity shares -- from a higher to a lower denomination Why it makes little sense to buy child plans
Parents should opt for a combination of mutual funds and fixed deposits.
March 27, 2014
How will IT companies perform in Q4?
Wipro, TechM and HCL to lead sector growth in Q4, while Infosys to report soft quarter.
March 21, 2014
Check out insurance plans designed for working women
According to a recent survey conducted by Nielsen across a few cities in India showed that over 23 percent of the working women now take their own financial decisions.
March 18, 2014
Want tax benefits? Your relatives can be of help
Claim these last-minute tax savers and get better after-tax returns.
March 14, 2014
4 infra stocks that have become darlings of D-street
L&T, Engineers India, IRB Infra & VA Tech Wabag have strong balance sheets, beside good earnings visibility. And this makes them a favourite amongst the trader community.
March 13, 2014
Why is Dalal steet influenced by upcoming elections?
Marketmen want to make the most of volatility caused due to elections.
March 11, 2014
Investing in stocks? Be smart, be safe!
Don't rush to buy or sell aggressively. At best, exit stocks and mutual funds performing badly if there are profits. Is the tide turning for cyclical stocks?
Analysts expect momentum to continue but say a progressive govt will be key
March 06, 2014
Buying a home? Beware of fancy claims the agent makes
While buying a property, never trust an estate agent fully. Be doubly sure of the amenities before making any down payment.
March 05, 2014
Catch them young: Four money saving habits you should teach your kids
Parents should more often talk about financial planning with their children. This will boost saving habit in them at an early age. Haven't filed tax returns? You still have time
If belated returns are not filed till March 2014 and there is no outstanding tax, you can be charged a penalty of Rs 5,000.
March 04, 2014
Should investors expect optimism on D-Street before elections
If the outcome of the elections is as expected, markets, which have lost hope on the government, will start discounting a brighter future
March 03, 2014
These are the benefits of keeping your bank account active
An employee should always keep his bank account active inorder to claim PPF after he joins a new office.
February 27, 2014
Buying Life insurance policies to save tax? Read this!
People in their quest to save tax usually end up buying a lot of unwanted insurance products. Online card transactions: Top 10 safety tips
Be it an e-commerce transaction, booking tickets online or availing a service, online transactions has its intrinsic advantages of saving time and convenience.
February 24, 2014
Personal loans: Should you go to banks or NBFCs?
With the difference between lending rates of banks and NBFCs narrowing, base your choice on urgency of requirement.
February 19, 2014
Child's education: How much should you save every month?
Many of us would agree that parenting is a tricky job. Even trickier is planning for your children's higher education.
February 03, 2014
How to make a will that is tamper-proof
Here are ways to ensure your children and other legal heirs don't tear at each other when you're gone
January 29, 2014
When cheques bounce, banks charge double penalty
Banks charge double penalty - where the cheque is issued & where it is deposited.
January 28, 2014
Things to check before building your house
You are likely to face legal problems and cost escalation, if these issues aren't nipped in the bud. Online versus offline trading: What you must know
Offline brokers usually incur much higher costs than online brokers.
January 22, 2014
What to do when you get an Income Tax notice?
The details that you file regarding your income, investments and tax exemptions are verified by the Income Tax department with the details obtained as per your Permanent Account Number records.
January 21, 2014
These small, mid-cap stocks are FIIs' favourites
Stakes raised significantly in select companies during Dec quarter, pushing sectoral indices up more than larger peers. How not to lose money in the stock market
Data show that the chances of loss lessen with more time spent in the market
January 20, 2014
Why new flat for your old one needs a lot of homework
Changes in policies and increase in applicable rates are leading to delays in redevelopment. Residents should know how to avoid the pitfalls Beware! Ignorance can damage your credit history
There are organisations who help individuals to improve their credit health. Financial blunders to avoid in a marriage!
There are a lot of things that a couple must clarify right at the onset of their marriage such as life goals and financial aims.
January 14, 2014
Is it time to raise your contribution to EPF?
As long as a provident fund continues to be exempt from tax at all stages, it is the best option to build a retirement corpus.
January 03, 2014
Key stocks to pick for great returns in 2014
Two major events, the general elections and the impact of US tapering, will dictate the direction of the Indian markets. The smartphone investor connects with the D-Street
Stock market transactions through mobile phones doubled in 2013
December 31, 2013
Are low personal loan rates really cheap?
Processing fees, pre-payment charges add to expenses; also low rates not for all
December 30, 2013
Be brave: Go for equities, shun gold
Experts advise getting back to equities, as the outlook on the yellow metal and real estate is weak.
December 27, 2013
Should you invest in banking funds?
As these have been the most volatile during the past year, limit your exposure in 2014
December 26, 2013
India's real estate sector rebound is on shaky ground
For the real estate sector, Diwali was the worst period after the global recession struck in 2008-09.
December 20, 2013
Investing in real estate? Be cautious!
A number of things need checking and for good reason. Read on to know why, so that you don't have regrets later. Reduce choppiness in debt funds with SIPs
In the last few months, the 10-year G-Sec has been gyrating sharply and has crossed the 9-per cent-yield mark four times.
December 16, 2013
Five inbuilt free or cheap insurance covers
From online frauds to LPG cylinder accidents, manufacturers and service providers give a host of covers. Should you buy online term plans with high claim rejection rates?
Online policies are cheap because there is no agent's fee involved, other administrative costs of the insurance company are lower and, most importantly, these use the latest statistics for calculating premia. Where can you stay after retirement?
The hectic pace of life in metros might be fine while you are working. But a smaller town that offers the same facilities with a relaxed lifestyle is better.
December 10, 2013
Buy travel policies with wide coverage
Just having a basic cover that provides medical insurance can hurt
December 09, 2013
Keep cash in hand ahead of elections, Budget
These events can change your financial planning due to unexpected policy changes
December 06, 2013
Why you should check your insurance returns
Insurers tout 12-15 per cent of the sum assured as the annual rate of return in money-back policies. But, the actual numbers are much lower
December 03, 2013
Keep a lower exposure to the banking sector
While stocks are at cheap valuations, the volatility can be unnerving.
December 02, 2013
Does real estate give spectacular returns?
What most real estate investors forget is that over long periods it is not the high returns but the power of compounding that is producing the huge sale price.
November 29, 2013
Will December see a Santa Claus rally?
December is packed with key economic and political events, both at the domestic and the global level, which will decide how foreign institutional investors (FIIs) fine tune their investment strategies Lodha in mega realty deal in London
The other bidders included some West Asian and Russian hotel chains. 5 reasons corporates are exiting the new bank licence race
Applicants have also in the past expressed fear about higher capital requirements, stringent priority sector lending norms and rules on promoter shareholding as key deterrents.
November 28, 2013
Should you opt for the new retirement funds?
Between the new schemes and existing pension funds from mutual fund houses, the latter seems like a better option for conservative investors
November 26, 2013
Lessons to be learnt from the Campa Cola crisis
An errant builder doesn't lose anything but the property buyer could lose everything.
November 25, 2013
Your wait for that big I-T refund just got longer
If you are expecting a huge income-tax (I-T) refund, you may have to wait a bit longer than you earlier thought.
November 22, 2013
Why you shouldn't invest lump sum before elections
With just six months to go for the general elections, market participants are waiting with bated breath for this major event to get over.
November 21, 2013
Why you must include PPF, tax-free bonds in portfolio
The season of tax-free bonds is on.
November 19, 2013
Is this a good time to invest in stocks?
When it comes to financial markets, fear and greed play a large component in determining market prices. Don't trust stocks experts! Here's how to do your own research
An investor cannot use the same multiple to reach on the fair value of the stock. Every industry is judged by different parameters.
November 18, 2013
Keep records of transactions or face penalty
It is the duty of a tax payer to record all his/her transactions, to explain sources of payments made by him/her and to declare the true income in the returns of income filed every year. How to keep health insurance premiums low
Is the cost of medical cover too high? Opt for co-payments or deductible plans. Here's more on when they work the best.
November 14, 2013
How to keep your retirement corpus intact
With EPFO capping the contributions to your pension scheme, you could look at other pension plans.
November 12, 2013
Should you SELL or BUY more stocks now?
October finished with a Sensex reading of 21,164, a new closing high for the index.
November 11, 2013
How to get more from your health insurance
With the regulator changing the claims processing rules, policyholders can now settle their claims quicker and keep premium costs lower. How to prepare your child for education loan
This is perhaps the first time your child is taking a loan. Here's how you can guide her to use it wisely.
November 07, 2013
Home and auto loans get DEARER
State Bank of India (SBI), the country's largest lender, has decided to increase its base rate or minimum lending rate by 20 basis points (bps) from Thursday, to 10 per cent from the present 9.8 per cent. Skewed taxation rules a spoiler for REIT investors
Investors in Reit would like some favourable tax treatment so that this remains an attractive route for them to put money as compared to other options present in the market.
November 06, 2013
How retail investors can make a fortune
Exit from equities if your investment was goal-linked or if you urgently need cash. Else, stay; rebalance your portfolio by picking attractively valued and some better-performing stocks
November 04, 2013
Where to INVEST in Samvat 2070?
It has been a choppy Samvat 2069 for the global markets.
November 01, 2013
Sensex at 21K: 5 reasons why we can't cheer this bull run
Unlike the previous rallies of 2007 and 2009, this time the rise in the market is not supported by a robust economy.
October 29, 2013
Small investors to get inflation-linked savings scheme soon
RBI wants to introduce these as an alternative to gold.
October 28, 2013
Why you should CHOOSE silver OVER gold this Diwali
Given prices of the latter are at an all-time high, it makes sense to opt for cheaper precious metals.
October 21, 2013
A few popular alternatives to personal loans!
What if you could have an option apart from personal loan in times of crisis? Know the tax benefits of house rent
Rent paid to one's wife is eligible for exemption if property, home loan are in her name. Cash back or reward points -- which one to choose?
Credit cards prove useful when making high value transactions. Here's how to stay away from loan defaults!
Often loan defaults occur when one takes on too many debts simultaneously and then find it difficult to manage.
October 15, 2013
Taking a home loan? Here are a few tips!
You must remember to choose the right home loan if you do not want to face the hassles in the process.
October 08, 2013
How lazy investors can make money
Fund houses offer certain all-encompassing schemes which, for practical reasons, should have little place in your portfolio.
October 05, 2013
5 reasons why rupee recovery may NOT last
Rupee has strengthened but is this sustainable.Or are we staring at a slip very soon.
October 02, 2013
Why defaults on second home loans ARE INCREASING
High interest, inflation and grim job scenario result in repayment hurdles.
September 30, 2013
Women get upper hand in property DISPUTES
A resolution depends on the the kind of property held jointly and the ownership pattern
September 26, 2013
Ban on zero-interest schemes, a boon for customers
The apex bank is taking away the 'psychological hook' that schemes with zero interest have on consumers.
September 19, 2013
How to build your wealth in simple steps!
Building wealth is a topic often spoken about by many, but followed by very few. The reason for this is that wealth creation involves time and a lot of effort.
September 18, 2013
A few useful tips to avoid financial crunches
Managing your finances efficiently is extremely critical in financial planning.
September 17, 2013
5 reasons why stock markets think Modi is good for them
CEOs have voted for a strong leadership, intent, decision and action, which Modi has demonstrated in Gujarat.
September 16, 2013
Risk-free returns aren't enough
Indian households put bulk of savings in bank deposits and insurance; the returns are minimal. If you're part of this, change.
September 12, 2013
7 SAFE stocks when the markets are volatile
Their positioning and prospects in the respective sectors should help these companies generate steady cash flows. That they have low debt and are available at reasonable valuations is a bonus.
September 11, 2013
Travel insurance segment feels the pinch of rupee fall
The rupee, which has depreciated about 23 per cent since May, has increased the loss ratios for the travel insurance segment. Why insurers don't want to cover weight-loss surgery
While there has been a rise in obesity reduction surgeries, it may still take time before health insurance cover is made available for these.
September 05, 2013
10 things you wanted to know about the new pension bill
Under the NPS, every subscriber will have an individual pension account, which will be portable across job changes.
September 03, 2013
Why you should not buy insurance before October
The new-look traditional products will have higher surrender value and lower commission.
August 30, 2013
What if your employer does not deposit EPF money
EPF subscribers whose accounts have not been credited with deducted money can complain to EPFO or labour ministry.
August 29, 2013
How savvy D-Street traders doubled money in August
Two categories of market participants seem to have made a lot of money in the past couple of weeks, short-sellers and volatility traders.
August 28, 2013
Is it a good time to enter the equity markets?
For stock market investors, things have turned worse.
August 26, 2013
Do your homework before approaching an insurance agent
Research reports say insurance agents are likely to sell you unsuitable products. So, you should know your requirements and premium paying ability. Should you sell gold now or wait?
While choosing this, approach local jewellers to avoid high deductions by branded jewellers.
August 23, 2013
Why it's important to maintain a healthy credit record
If you score well in your credit report with anything between 700 and 900 points, your demand will be easily processed and approved. Dull market? Agents make crores selling mutual funds
Despite dull market, more individuals make crores by selling mutual funds. Bad news: Home, auto loans to get COSTLIER
Leading financial institutions ICICI Bank and HDFC have raised their benchmark lending rates by 0.25 per cent, making home and auto loans costlier. Weak rupee: The top 5 gainers and losers
A long term solution to arrest the rupee slide is growth.
August 21, 2013
All you wanted to know about CAD, but were afraid to ask
When the outflows are more than the inflows, a deficit occurs in the current account of the nation, which is widely known as the Current Account Deficit.
August 20, 2013
Market mayhem: 6 questions you really want answered
So what are the reasons for the bloodbath in the markets? And how it affects you.
August 16, 2013
Is your builder a DEFAULTER?
To ensure the property right is not contested, one has to take various steps, including getting a bank NoC.
August 12, 2013
Invest wisely and lead a happy retired life
Rising trend of nuclear families, increasing cost of healthcare, and inflation make it necessary for an individual to plan for retirement.
August 06, 2013
Don't forget to file Income Tax returns
Not doing so might mean a penalty, not being able to revise returns or carry forward losses and forfeiture of interest on refund
August 05, 2013
How to claim tax refunds
It is easiest to claim refund while filing returns. But if you have not done so, use Form 30
July 29, 2013
Why one shouldn't delay EPF withdrawal
If your account is idle for over five years, there could be issues with acquiring EPF details.
July 22, 2013
When is the right time to go for your credit health check up?
Checking your credit report is the easiest way out to check your credit health.
July 19, 2013
Address your tax grievances the traditional way
I-T dept will soon issue a unique number to address your refunds and grievances. But the traditional route is still better.
July 16, 2013
What to do when you inherit a tax mess
Tax problems that may occur after death run the gamut.
July 15, 2013
Cherry picking: Why it is a good time to invest in IT stocks
The 20-stock index is up about 20 per cent in the past year - it has done much better than the Nifty's 12.5 per cent. Rupee fall: How NRIs can get richer
NRIs can lock into NRE/NRO fixed deposits, buy real estate and invest in long-term equity investments. How to tackle high home loan rate
Discrimination between old and new customers have come down after base rate.
July 10, 2013
Lessons for stock market investors
Experts say retail investor does not need to look at the indices on a daily or even monthly basis and should invest regularly.
July 08, 2013
How to file income tax returns
Even if your only source of income is salary and the tax has been deducted at source, you need to file returns. Changing jobs? Declare past income to new employer
Ensure you don't get benefits that get reversed, while filing returns.
July 04, 2013
Have mutual funds been a success?
During these two decades, the total assets managed by the industry has grown from two per cent to eight per cent of the gross domestic product (GDP). Don't depend on health cover by your employer
Take a top-up or a standalone health cover; it will help you switch jobs and give larger coverage.
July 02, 2013
Save smart and retire rich: Here are a few tips!
On an average approximately 4 to 5 million new professionals below 25 years of age join the workforce in India every year. How to manage education loan repayment
When you have a new job, it is tempting to splurge. But always remember your loan repayment comes first.
July 01, 2013
NEVER dip into retirement funds for other needs
The funds earmarked for other goals of lower priority, like holidays, holiday home, vacation abroad and so on should be used - not the retirement corpus. How to make the most of your money!
Some important savings and investment tips. They are good enough to die for us but...
Banking system has placed our soldiers in the lowest hierarchy of the new 'caste' system that has been created. Planning to study abroad? Tackle the rupee fall first
Students going abroad could look at options like paying tuition fee in one go, as that can get discounts.
June 28, 2013
A health cover for diabetics
Group policies are more suitable for diabetics; these are negotiable & flexible.
June 27, 2013
How inflation eats away all your savings
Tips to maintain your present lifestyle post retirement.
June 26, 2013
Travel insurance: Handy during natural calamities
In addition to hospitalisation charges, it will cover expenses like transfer to hospital in of an accident. I-T dept tightens rules for issuance of PAN card
Verification process to be made robust after detection of frauds
June 25, 2013
No catastrophe insurance cover yet
In the wake of the natural disaster in Uttarakhand, the proposal for 'catastrophe insurance' is in spotlight.
June 24, 2013
Looking at MNC stocks? Think again
If you are not happy with the price offered at buybacks, you could be in for a long haul. Sell your house, don't go for reverse mortgage
You will have to adjust to a new area and place but it will be financially more prudent.
June 20, 2013
Indian hedge funds seek foreign money
With response tepid so far from domestic investors, these funds might soon approach FIPB for approvals.
June 12, 2013
Fewer customers revolving their credit card dues
Awareness about need to have good credit record prompts users to pay on time.
June 11, 2013
Inflation-indexed bonds are disappointing
Debt returns are always negative for investors in India, unless they are willing to take huge risk Extend your insurance cover on paid-up policies
After the policy gets paid up, opt for ETI plan if you wish to extend your life cover or take the reduced paid-up if you need cash in hand
June 06, 2013
How buyers will get a BETTER deal from developers
The new Real Estate Bill will allay buyers' fears and concerns, and speedily redress grievances.
June 04, 2013
Why over-diversification of portfolio isn't good
While putting money across asset classes is a must, there should be some balance.
May 29, 2013
All you wanted to know about Exchange Traded Funds
ETFs are like stocks as they trade on the stock exchan#8805 but they are shares of a portfolio, not of a company. Why you should NOT borrow against gold now
As RBI curbs lending against gold, it's now harder to raise loans against the yellow metal. 10 mid-cap stocks to INVEST in before the next rally
As macroeconomic fundamentals improve, Sensex will make new highs. Here're stocks that can give good returns.
May 28, 2013
Tips to REGULARISE your debt
If you have too many loans, here's how to get rid of them smartly.
May 27, 2013
5 basic RULES of mutual fund investment
Here's how you can get the best out of your mutual fund investment.
May 24, 2013
Is this a good time to BUY stocks?
Global equity and bond markets, especially in Japan, were spooked on Thursday post the US Federal Reserve's comments on the third round of bond buying programme, commonly known as quantitative easing (QE3).
May 22, 2013
Affordable houses, but FOR WHOM?
The new launches in the affordable category could just be another marketing gimmick to push sales and mop up money.
May 20, 2013
TIPS: How to SELECT stocks to get good returns
There is no sure-shot formula to succeed in the stock market. Taking a HOME LOAN? Points to remember
Analyse your financial situation before deciding on amount; compare tenure, interest rate and penalty before finalising the lender.
May 18, 2013
How the salaried are getting tax relief
The Income Tax return form seeks wealth information from professionals; experts feel the salaried should have been included.
May 13, 2013
Old and at home, but not so ALONE
Builders are coming up with retirement home colonies that offer a number of services. The payment options include outright buys, deposit models and lifetime lease. NO need to get aggressive on GOLD this Akshaya Tritiya
If you want to celebrate the festival, buy only a little as token.
May 11, 2013
Invest for your children, get tax BENEFITS
Most of these investments fall under the ambit of Sec 80C within the Rs 100,000 limit.
May 10, 2013
The four BIG stock BETS of Rakesh Jhunjhunwala
The ace investor has gone ahead and selectively raised stake in some of these.
May 09, 2013
Strapped for cash? AVOID these debt TRAPS
Cash on credit card and upfront money in exchange for future pension might sound tempting, but they carry enormous interest rates.
May 07, 2013
Cheaper ways to COVER your loan: A few tips
When one applies for a loan, he/she is almost immediately offered an insurance policy to cover it. These are called Mortgage Redemption Schemes or Loan Protection Covers.
May 02, 2013
Why critical illness policies are VITAL
Though costlier and fewer illnesses are covered, the breadwinner should have one with high sum assured.
April 30, 2013
Get ready to file TAX returns
Though the government is yet to notify the new form, begin with collating documents, checking interest certificates and tallying form 26AS.
April 24, 2013
Planning to BUY insurance this year?
Wait till these are refiled as it will give you added benefits.
April 23, 2013
Now, HEART patients can GET a health insurance
Chennai-based Star Health and Allied Insurance has launched Cardiac Care, a unique policy that covers people with heart ailments.
April 19, 2013
Has the time come to REVISIT your gold investment?
Indian gold prices have slipped below Rs 30,000 and still counting on the lower side. Apply online for PF transfer, withdrawals from July 1
Over 50 million subscribers of the retirement fund body EPFO will be able to apply online for transfer and withdrawal of their provident fund from July 1, a move aimed at speedy settlement of claims.
April 16, 2013
Renting out your house? Here's a CHECKLIST
Considering the increasing property values, renting out a place and staying on rent could both help save big sums of money.
April 10, 2013
Credit cards: CASH back vs. REWARD points
It makes sense to go for a cash back card only if you are a big spender, otherwise the benefits are almost equal.
April 09, 2013
How salary hike AFFECTS your tax outgo
If your salary structure is heavy on reimbursements, it will increase your net salary and reduce the tax burden.
April 03, 2013
What you need to know about LTA
If you don't use the two LTA exemptions by December 2013, one can be availed of in 2014-17. How to SAVE more, invest wisely this financial year
Steps like depositing the entire PPF amount before April 5 or preparing a household budget will ensure this financial year goes well.
April 01, 2013
images: How to ensure good resale value of flat
Potential buyers appreciate basic furniture fixtures in the kitchen and living room and are likely to pay a premium for such ready-to-use services.
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