Deepesh Raghaw

All stories by Deepesh Raghaw

Received VRS? How to generate passive income

Received VRS? How to generate passive income

Rediff.com4 days ago

People who are close to retirement and don't intend to go back to full-time work again should deploy a part of their VRS money in equities so that it keeps growing at a faster rate.

Investment Lessons Learnt From 2019

Investment Lessons Learnt From 2019

Rediff.com2 Jan 2020

A flavour-of-the-season approach does not work in investing, suggests Deepesh Raghaw.

Do not lower your EPF contribution

Do not lower your EPF contribution

Rediff.com27 Dec 2019

If someone does reduce his contribution, he should scale it back to the 12% level as soon as he can, suggests Sanjay Kumar Singh.

Explained: Why Bharat Bond ETFs is good investment option

Explained: Why Bharat Bond ETFs is good investment option

Rediff.com19 Dec 2019

These ETFs will also carry interest-rate risk, especially the 10-year ETF. The investor can overcome this risk by holding them till maturity, suggests Sanjay Kumar Singh.

Better to revive old LIC policy or buy new one?

Better to revive old LIC policy or buy new one?

Rediff.com5 Dec 2019

LIC is currently allowing customers to revive policies that have lapsed for more than two years.

Do not park too much money in co-operative banks

Do not park too much money in co-operative banks

Rediff.com13 Nov 2019

Do not go for riskier options like co-operative bank only for the higher return. Even if you go for them, park only a small portion of your capital there, say Tinesh Bhasin and Sanjay Kumar Singh.

5 key mistakes to avoid while filing I-T returns

5 key mistakes to avoid while filing I-T returns

Rediff.com2 Jul 2019

Incomes such as dividend, interest on tax-free bonds, eligible gifts, etc should also be reported even though they are tax exempt, suggests Sanjay Kumar Singh.

Here's some good news for central govt employees

Here's some good news for central govt employees

Rediff.com24 May 2019

Now govt employees to enjoy greater say in how their NPS corpus is invested. Younger employees should raise their allocation to equities in this very long-term investment instrument

Why fixed maturity plans work better than FD

Why fixed maturity plans work better than FD

Rediff.com14 Mar 2019

Heed your liquidity needs before investing in an FMP.

Got a job? Invest, but avoid these mistakes

Got a job? Invest, but avoid these mistakes

Rediff.com12 Mar 2019

Those just starting their careers should avoid adding to their liabilities, especially if they already have an education loan. They should think hard before taking a car or home loan.

How to save taxes, meet long-term goals

How to save taxes, meet long-term goals

Rediff.com12 Feb 2019

Three key instruments that can help you meet your financial goals, while also allowing you to enjoy tax deductions are ELSS, term cover and health cover.

How Goyal's tax breaks will apply to you

How Goyal's tax breaks will apply to you

Rediff.com2 Feb 2019

The point to note is that since the new rebate is up to a taxable income of Rs 5 lakh, if anyone earns even little more (say, even Rs 100 more) than this amount, he would have to pay all the taxes, according to the existing slabs.

Want to invest in NPS? Please read this!

Want to invest in NPS? Please read this!

Rediff.com17 Jan 2019

Given its features as a retirement product (long lock-in and compulsory annuitisation), investors should have other investments they can fall back on in case they need funds

How to choose the best tax-saving investments

How to choose the best tax-saving investments

Rediff.com7 Dec 2018

Individuals often postpone tax planning till the end of the financial year. As the deadline for showing proof of investments draws near, they invest randomly in any product that will help them save tax for that year. Later, they realise that it is not suited for them, so they abandon it. Tax planning should not be a standalone, one-off activity, but should be in sync with your overall financial plan, says Sanjay Kumar Singh.

How You can achieve your financial goals

How You can achieve your financial goals

Rediff.com19 Oct 2018

Goals like buying a car or travelling abroad are short-term goals whereas purchasing a house or retirement planning are medium and long-term goals.

BEST options to beat higher home loan payout

BEST options to beat higher home loan payout

Rediff.com10 Sep 2018

It makes sense to shift to a home loan provider offering a lower interest rate or make occasional prepayments by using bonuses or other windfalls, says Sanjay Kumar Singh.

Has gold lost its Midas touch?

Has gold lost its Midas touch?

Rediff.com4 Sep 2018

Despite returns from gold down over 5% in the past three months, it is a good idea to keep this asset class in your portfolio.

Buying life insurance? Please read this

Buying life insurance? Please read this

Rediff.com7 Aug 2018

Agents often influence customers into buying new products every year instead of continuing with their existing policies

Systematic Withdrawal Plan: Dos and don'ts

Systematic Withdrawal Plan: Dos and don'ts

Rediff.com19 Jun 2018

Systematic withdrawal plans in equity funds can spell trouble in a falling market, points out Deepesh Raghaw.

Planning to invest in NBFCs? Please read this

Planning to invest in NBFCs? Please read this

Rediff.com18 Jun 2018

Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.

Loan against MF? Yes, and it's online too

Loan against MF? Yes, and it's online too

Rediff.com7 Jun 2018

Customers need to weigh whether they will be better off selling their mutual fund holdings or taking a loan against it.

How to make the most from your NPS investments

How to make the most from your NPS investments

Rediff.com21 May 2018

Restrict investment to Rs 50,000 for tax benefits, experts tell Sanjay Kumar Singh, but caution that taxation at maturity and compulsory annuities are dampers.

Investing tips for seniors, young investors

Investing tips for seniors, young investors

Rediff.com14 Mar 2018

While seniors seeking a regular income should switch to debt funds from balanced funds, younger investors should invest in balanced funds after understanding their risks.

4 ways the Budget cheers senior citizens

4 ways the Budget cheers senior citizens

Rediff.com16 Feb 2018

Thanks to Budget 2018, seniors can invest more and also save more.

6 money tips to secure your post-retirement

6 money tips to secure your post-retirement

Rediff.com8 Jan 2018

If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.

Home loan at 4 per cent! Should you go in for it?

Home loan at 4 per cent! Should you go in for it?

Rediff.com30 Nov 2017

Sanjay Kumar Singh speaks to experts to find out if Tata Housings new loan offer should interest you.

Why you must not buy bundled home loan insurance

Why you must not buy bundled home loan insurance

Rediff.com23 Nov 2017

You will be much better off buying the required plans directly from life and general insurers, experts tell Chirag Madia

Closing insurance policy midway? YOU are the loser

Closing insurance policy midway? YOU are the loser

Rediff.com27 Oct 2017

Allowing it to lapse leaves you unprotected and can, in some cases, cause loss of premiums paid, experts tell Sanjay Kumar Singh.

Armchair investing in EPF may soon be over

Armchair investing in EPF may soon be over

Rediff.com27 Oct 2017

If the changes being considered by the EPFO become a reality, investors may have to be more active in deciding equity preference and when to withdraw money, reports Sanjay Kumar Singh

Going for a fancy home loan scheme? Read this

Going for a fancy home loan scheme? Read this

Rediff.com23 Oct 2017

Look at effective interest rate on home loan offers. Availing of ICICI Bank's cashback offer will mean you lose the flexibility to switch or prepay the loan, reports Sanjay Kumar Singh

Higher returns, higher risks

Higher returns, higher risks

Rediff.com27 Sep 2017

Before you rush to invest in these funds, understand the risks they carry and whether you have the appetite for them, says Sanjay Kumar Singh.

Investors beware! Save your investments from ruin

Investors beware! Save your investments from ruin

Rediff.com26 Jul 2017

When selecting investments, pay attention to potential return, risk and how easily you can exit it.

Should you shift to NPS from EPF?

Should you shift to NPS from EPF?

Rediff.com28 Mar 2017

Now that the National Pension Scheme offers more choices than the Employees Provident Fund, is more transparent and also allows to choose the level of allocation to equities as investors like, should one switch to the NPS?

Best time to take bigger risk for better returns?

Best time to take bigger risk for better returns?

Rediff.com7 Feb 2017

'Avoid taking excessive credit risk via mutual funds such as high-yield fixed maturity plans and credit opportunity funds.'

Short-term debt funds better than FDs?

Short-term debt funds better than FDs?

Rediff.com19 Jan 2017

These funds carry low risk and should be able to beat the returns from fixed deposits.

Short-term debt funds better than FDs?

Short-term debt funds better than FDs?

Rediff.com19 Jan 2017

These funds carry low risk and should be able to beat the returns from fixed deposits.

How you can get up to Rs 7 lakh+ tax exemption

How you can get up to Rs 7 lakh+ tax exemption

Rediff.com18 Jan 2017

Salaried employees get several benefits under Sections 80C, 80D, 80G and others.

How you can get up to Rs 7 lakh+ tax exemption

How you can get up to Rs 7 lakh+ tax exemption

Rediff.com18 Jan 2017

Salaried employees get several benefits under Sections 80C, 80D, 80G and others.