'You should always maintain an allocation to gold as it has the ability to counterbalance any correction in the equity market.'

Make sure you read the policy wording. Some policies cover pre-existing diseases while others don't. Many need a minimum 24-hour hospitalisation, advises Bindisha Sarang.

Under Section 80D, you can avail of deduction on payment made towards preventive health check-ups.

There are, however, a few aspects to factor in before considering G-Secs as an investment option, advises Bindisha Sarang.

Lease, Subscribe or Own?

'If you miss the deadline, you can still file a belated tax return till March 31, 2021, with a fee under Section 234F, which could be up to Rs 10,000, in addition to an interest under Section 234A and 234B of the Act.'

'Remember, if an app breaks the rules while giving you money, it will also break them while collecting.'

Cheque payments will be safer; the limit for contactless card transactions hiked.

The trick is to know how long you are supposed to hold which document, observes Bindisha Sarang.

Some of these plans will weigh on your pocket. The increase in premium could also be large as you grow older.

Once the new rules kick in, you will have less cash-in-hand and may feel tempted to scale back on savings and investments.

There can be as many as six co-applicants in a joint loan.

Despite price correction, policies that support the yellow metal will remain in place in the foreseeable future.

Annual premiums do not exceed what you readily shell out for an OTT subscription.

If you are scouting for a property, finalise the deal within the next seven months and benefit from this measure, suggests Bindisha Sarang.

Only those who stick to the old I-T regime will get this benefit.

Almost all banks that issue contactless cards provide users with a 100 per cent liability cover.

While players like Paytm, MobiKwik, and PhonePe allow you to buy gold for Rs 1, Amazon Pay has kept the minimum amount at Rs 5. Digital gold is essentially an avenue for investing in physical gold.

The reimbursement components of your salary require you to furnish bills before they become tax-exempt. Producing them may be difficult this year.

Finance Act, 2019 has made it mandatory for certain categories of taxpayers to file their ITR, even though their income may be below the taxable threshold. read on to find the details.