Investors should be mindful of the high volatility in cryptos: Bitcoin has fallen more than 80 per cent in past corrections.
One of the most exploited provisions is Section 10(13A), which permits exemption on HRA.
Understand policy inclusions and exclusions to avoid surprises during claims.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Conservative investors seeking equity-like tax benefits with low risk may go for them.
If nominees pass away, distribution is governed by succession laws of insured's religion.
These plans are suited for individuals and families with regular OPD needs -- those managing chronic illnesses and families with young children or elderly members.
Banks offer a wide range of group insurance plans -- personal accident, health, hospital cash, home insurance, credit protection, and critical illness.
Only a limited set of investors should invest directly in corporate bonds.
Customers must sign the agreement promptly to avoid disruptions. They should read it thoroughly and understand their rights and obligations.
Fraudsters lure individuals with false promises of recovering bonuses or maturity proceeds from lapsed policies.
The Income-Tax (I-T) Department has detected widespread tax evasion involving cryptocurrencies and, according to media reports, has issued emails to thousands of defaulting taxpayers seeking transaction details. Investors must understand the tax rules governing crypto assets and respond promptly to these emails.
Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
Even if you have a comprehensive motor insurance policy, it may not provide sufficient protection against monsoon-related risks.
'LAP is suited for borrowers with a steady income, sound repayment discipline, and a clear repayment plan.'
Deductions missed in Form 16 can still be claimed while filing ITR.
A higher TER means a larger portion of the return goes to the AMC, leaving less for the investor, unless compensated by higher returns.
Some individuals opt for the new regime without a comparative analysis of the tax liability under the two regimes.
Tenants should primarily buy contents insurance. 'This covers personal belongings like electronics, furniture, clothes, and appliances against risks such as fire, theft, floods, and other natural calamities.
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
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