rediff.com  web 
  »  » Personal Finance

Personal Finance

December 30, 2011
Stocks of controversial groups beaten down
But analysts advise against dumping, say these could recover if market conditions improve.
December 29, 2011
Invest smart and be rich this New Year!
Financial planning expert Sailesh Multani offered some valuable tips.
December 27, 2011
GOLDEN tips on how best to build your MF portfolio
Every investor must have a clear game-plan and set financial goals based on certain pre-defined objectives with specified time frames. SPECIAL: How your HRA helps you save tax
There are many tax components you need to be clear about and also figure out how to plan your investments to gain maximum returns as well as maximum tax benefits.
December 22, 2011
Here is how to invest wisely and be rich
In an hour-long chat on rediff.com on Thursday, personal finance expert Sailesh Multani offered some valuable investment tips.
December 20, 2011
Want to invest wise and be rich? Read this!
Why are small saving schemes no longer lucrative?
These schemes now cease to be lucrative in spite of a raise in most of their returns. Reason: These schemes are now linked to the market.
December 16, 2011
How market uncertainty affected fund managers' net worth
The fund managers of Smart Portfolios' Season 4 generally remained on the sidelines during the past week, with few transactions to their credit. The uncertainty of the markets reflected on the fund managers' net worth.
December 13, 2011
Investments for saving tax is just not enough
As the calendar year comes to an end, employees are asked to file investment declarations to their companies. How to choose between safe and short-term investments
Bank fixed deposits offer assured returns but are entirely taxable. Ultra short-term debt funds can't specify returns but are tax efficient.
December 05, 2011
Raise income tax limit for peak rate to Rs 12 lakh: Ficci
As the Indian economic growth slowed to a nine-quarter low of 6.9 per cent in the second quarter of this financial year, Ficci has urged the finance ministry to provide more disposable income at the hands of the people by raising the personal income tax slab for the peak rate of 30 per cent in the next budget.
December 02, 2011
Measure your risk ability, then invest
Classify goals into those for the short, medium and long term to arrive at a risk mitigation plan, advise experts.
December 01, 2011
Investment tips that can make you rich
In an hour-long chat on rediff.com on Thursday, financial planning expert Sailesh Multani offered some valuable tips.
November 29, 2011
How rupee fall affects your investment
Most investors do not read between the lines regarding how rupee fluctuation impacts their investments.
November 25, 2011
Exiting fixed income funds? Read onů
Those getting into debt instruments like short-term funds, ultra short-term funds and income funds may need to extend their investment horizons or pay higher exit loads. The past couple of months have seen 16 such funds either raising their exit loads or increasing the scheme's lock-in period. Buying resale property? Follow the checklist
Despite their age, ready property prices are rarely discounted. "Due to the prevalent high real estate prices, generally, the cost of a ready property and an under-construction one are almost par," says Amit Shah, vice-president, indiaproperties.com, a Pune-based property portal. In fact, sometimes, ready properties may even be available at a premium.
November 22, 2011
Smart tips on short term trading
Apart from knowing the rules, investors should also understand that short term trading mostly relies on luck and on study, which at best can be termed speculative.
November 17, 2011
Want to save smart and be rich? Here's help!
In an hour-long chat on rediff.com, financial planning expert Sailesh Multani offered some valuable tips.
November 11, 2011
Good news! Interest rate on PPF, NSC, post office savings hiked
The government has hiked the interest rate on Public Provident Fund account (PPF) to 8.6 per cent from 8 per cent. The investment ceiling has been raised to Rs 1 lakh a year. Six personal loan truths that you MUST know!
Since the documentation required is little and the disbursement is faster, it automatically tops the list of anyone who is in need of emergency cash.
November 10, 2011
Golden tips to invest smart and be rich
In an hour-long chat on rediff.com on Thursday, financial planning expert Sailesh Multani offered some valuable tips.
November 09, 2011
EXPLAINED: The Eurozone's impending disaster!
with low interest rates these countries went on a borrowing spree and since they borrowed much more than their repayment capacity is, they are in a mess. Greece is the smallest of these countries and is in the biggest mess.
November 03, 2011
How to invest smart and be rich
Financial planning expert Sailesh Multani offered some valuable tips during a chat on Thursday.
November 02, 2011
How to maximise WEALTH? Few golden tips
During high inflation times, calculate real returns to maximise wealth.
October 25, 2011
RBI rate hike: Home, auto loans to be costlier
Banks have not raised interest rates following the September review of credit policy. Investing in gold? MUST READ this!
India (NRIs included) goes crazy about gold jewellery.
October 20, 2011
Want to invest smart and be rich? Here's help!
In an hour-long chat on rediff.com, financial planning expert Sailesh Multani offered some valuable tips.
October 18, 2011
Tips on how to manage your home loan smartly
Taking informed decisions to manage the asset that we call home and the liability that we call housing loan. By being prudent, you can get high "returns" in the form of saving on interest outflow. All about EMI and loan repayment
In the current scenario of rising interest rates, it is vital that you understand important elements in the loan-taking process. 11 things that you can do through ATMs, now
A visit to an ATM today can help you accomplish myriad value-added transaction services like utility payments, pre-paid mobile re-charge, credit card payments, tax payments and much more.
October 14, 2011
6 tricks that malls use to make you buy MORE
Here is a list of six things that I learnt about how the mall environment can encourage you to buy more.
October 13, 2011
Want to invest smart and be rich? Here's help!
In an hour-long chat on rediff.com on Thursday, financial planning expert Sailesh Multani offered some valuable tips. Clear your tax dues for seamless transfers
According to the Income Tax Act, certain transfers can be considered void without a tax-clearance certificate (Section 281B).
October 11, 2011
Should you invest in gold? The pros and cons
Is there any one avenue, where your hard earned money will not only be safe, but also give you the maximum return?
October 10, 2011
Why early birds end up RICHER
Compounding advantage helps even those investing for a limited period.
October 07, 2011
Porting polices? Wait and watch, say experts
Health portability came into force this month. However, financial planner Gajendra Kothari is advising health insurance clients to wait and watch before shifting one's insurer.
September 29, 2011
Want to be rich? Here are some valuable tips
In an hour-long chat on rediff.com on Thursday, financial planning expert Sailesh Multani offered some valuable tips. IMAGES: Good news! Bonanza for car buyers this festive season
They opt for upfront discounts rather than reduced interest rate offers. SPECIAL: Why printing money is simply not working
Nearly $2.3 trillion was printed and used to buy financial securities. And of this nearly $1.6 trillion of this lay sitting idle on the reserves of banks. A lot of this money simply went into the dollar carry trade
September 27, 2011
Explained: Why gold prices are falling now
As more and more paper currency gets printed and dumped into the financial systems around the world, there is more the danger that paper currency will lose its value. So people are queuing up to buy gold. Unlike paper money, gold cannot be created out of thin air.
September 26, 2011
How to gain from property sale
Invest in bonds and another property to save tax on capital gains.
September 23, 2011
Explained! The US 'twist' that MELTED stock markets
The United States Federal Reserve, the US central bank, has announced a new $400-billion rescue plan, which is being called the 'twist'.
September 22, 2011
Some golden investment tips
In an hour-long chat on rediff.com on Thursday, financial planning expert Sailesh Multani offered some valuable tips.
September 20, 2011
Why America is the new Japan
Despite the US government having low interest rates and printing a lot of money in the hope that people will spend it and revive the economy, that is clearly not happening.
September 16, 2011
Why the RBI rate hike will NOT curb inflation
There is not much that the RBI can do to address India's inflation. Solutions to the problem lie with Pranab Mukherjee and Sharad Pawar, who run the ministries of finance and agriculture, respectively.
September 15, 2011
Some golden investment tips
Financial planning expert Sailesh Multani offered some valuable tips during a chat on rediff.com on Thursday. The trillion-dollar question nobody can answer
The United States government over the years has been spending more than what it earns. Like for the year 2011, the expected revenues for the US government stand at $2.17 trillion, whereas the expected expenditure is much higher at $3.82 trillion, leaving a difference of $1.65 trillion between what the government earns and spends.
September 12, 2011
A quick guide to online filing of tax returns
Easier access, less time consumed and agency assistance at a small cost have helped online filing of income tax returns catch up in the past couple of years. Tax experts say about one in three returns are now filed online. Experts expect this to rise to 50 per cent.
September 08, 2011
Want to invest smart and be rich? Here's help!
In an hour-long chat on rediff.com, personal finance expert Shailesh Multani offered some valuable tips Just what is happening to the Indian stock market?
While many would say volatility is the new normal, it wouldn't be far off the mark to say this turnaround may be short-lived, as India's domestic problems and global risk aversion continue. Why the situation in Europe is like a forest fire!
The borrowing binge indulged in by European nations has attained catastrophic proportions.
September 06, 2011
How Sachin would have made you a RICHER investor
So just keep on playing the game like Tendulkar has done over the past two decades . . . not bothering about short-term declines in form but practicing to be a master in the long term.
September 02, 2011
Still Single? Set short-term goals for yourself
Creating a strong corpus through equity will reduce later need for debt to make big purchases.
August 30, 2011
Fixed income safer for higher loan
Avoid shares as collateral, as you may need to pay for the decline in stock price in volatile market. Get ready for the next bull run in GOLD
The likes of J P Morgan will now have to buy back gold in order to repay the Venezuelan government and this will drive the price of gold up globally.
August 26, 2011
Teaser, floating, fixed loans explained
Home loan rates, which have been rising consistently, and sometimes even on a monthly basis, have had borrowers on tenterhooks. Rahul Dravid and GOLD are the last men standing!
People hoard gold, whenever there is crisis of confidence on the paper currency.
August 25, 2011
Some golden investment tips
In an hour-long chat with rediff.com, financial planning expert Sailesh Multani offered some valuable investment tips.
August 22, 2011
Must read! When you become an NRI
One cannot open a savings bank account, have a fixed deposit or a public provident fund.
August 19, 2011
Why retail investors are flocking to gold ETFs
During April-July, the investor-base in gold ETFs expanded 24 per cent.
August 17, 2011
Why people hoard gold and buy it during crises
If you hoard a metal like copper, you will be taking it away from its genuine industrial users. So in the end people hoard gold, whenever there is crisis of confidence on the paper currency.
August 15, 2011
When bears come calling, what brokers DO
Many have downgraded EPS estimates for the Sensex in FY12.
August 11, 2011
SPECIAL: 5 stocks investors can bet on
Experts believe investors should focus on protecting capital rather than chasing returns.
August 05, 2011
Markets crash: What investors MUST do
The common Indian is already under pressure from rising inflation, investments giving poor returns and lower salary hikes too!
Archives
May - July 2011 | January - April 2011 | August - December 2010 | April - July 2010 | February -March 2010