'Revolving credit without full repayment causes interest to outpace repayment capacity, and leads to financial distress.'
'Begin with a small investment, observe performance, then scale up gradually.'
One of the most exploited provisions is Section 10(13A), which permits exemption on HRA.
Conservative investors seeking equity-like tax benefits with low risk may go for them.
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.
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.
'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.
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.
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
The Securities and Exchange Board of India (Sebi), in a circular dated April 11, 2025, warned investors about rising fraud and manipulation linked to the securities market on social media platforms.
Inflows into sector and thematic (S&T) funds fell sharply from around 5,711.6 crore in February 2025 to about 170.1 crore in March 2025 - a decline of 97 per cent. With many such funds underperforming, investors need to assess whether to remain invested or exit.
Investors should avoid making drastic changes to their asset allocation during a market correction.
'Choose an FD tenure that provides a balance between returns and the horizon for which you can invest.'
Buying makes sense for those planning to stay in a city for at least 7 to 10 years. Financial preparedness is crucial.
Review your family emergency fund and replenish it if needed. Revisit financial goals to see if there is any change in timeline or the corpus required.
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