Taxation has played spoilsport despite double digit returns.
The government has made employers responsible for verifying whether the claims filed are according to the law. Earlier, companies went only by self-declaration of employees.
The main concern among industry and market experts is that the governance in these companies needs to be strengthened and the focus on social insurance has to come down.
'It is like bombing a building with 200 people to kill 5 terrorists.'
Electronic transactions are rising fast, so are cases of payment failure and delayed settlement. One needs to be proactive.
Over a five-year period, the benefit of a sharp drop in interest rates would mean saving Rs 76,880 -- a significant number. But if the rate cuts are slimmer, say 25 bps or the number of years left is barely one or two years, shifting may not make too much sense.
'Everyone is still trying to understand the quantum of impact demonetisation will have on the economy.'
A combination of ELSS or PPF with a term plan offers better coverage and returns
If you are making any drastic changes, make sure there is adequate documentation
Even if the government didn't plan for demonetisation properly, it could have taken steps on a war footing later to ensure the situation improves.
Joydeep Ghosh takes stock of personal finances after the life-altering surprises of 2016.
Expect more volatility in the coming year as the economy and markets price in the demonetisation drive.
That's the government's goal for the Unified Payment Interface by March. Are they close? A P Hota, the man at the helm, answers.
'The rate of interest from the EPF is still attractive compared to the rates on fixed deposits, National Savings Scheme, Public Provident Fund...'
The NITI Aayog may want us to believe this is one of the easiest payment systems in the world, but Tinesh Bhasin decodes the many unanswered queries and concerns involving the United Payments Interface.
The government can seek details from sellers such as sources of funds while buying.
A new approach called life planning can help you prioritise the use of your time and money.
CAs not sure if individuals declaring unaccounted money will get immunity from reassessment as these provisions are not covered in the Bill.
NRIs could run into difficulties if they possess discontinued currency notes amounting to a high value.
E-wedding planners allow you to book everything online, including venues, make-up artists, bands, florists.
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