Software employees can opt for company-run programmes, online courses, boot camps to upgrade skills.
From April 1, subscribers will be able to change investment option & asset allocation twice a year, instead of once. Use greater flexibility offered by pension scheme judiciously.
At face value of Rs 2,893 and interest payout of 2.5 per cent, sovereign gold bonds offer best route to invest in yellow metal, says Tinesh Bhasin
In the Budget, the government has banned cash transactions above Rs 300,000. This means that people will have to pay stamp duty and registration charges on the actual cost of transaction.
Balanced funds are suitable for investors who have low-risk appetite or are new to equities.Those with more than seven-year investment horizon should look at funds that have higher equity exposure.
With big data analyses, your investments, spends and big purchases are being tracked more closely now by the income tax department.
Before participating in such a scheme, do a detailed background check of the company's credentials, especially if the promised returns are unrealistic.
While it may be justifiable to pay a higher expense ratio in a fund that outperforms, you should definitely exit one whose performance is below par, says Sanjay Kumar Singh
'Avoid taking excessive credit risk via mutual funds such as high-yield fixed maturity plans and credit opportunity funds.'
BoB's offer of a lower home loan rate to customers with credit scores of 760 and above makes it incumbent on everyone to pay heed to this all-important number.
When looking at fund returns, avoid looking at just the past 12 months' performance, says Sanjay Kumar Singh
'To ensure you remain with the better performers, you need to consistently monitor your MF portfolios and weed out the non-performers, even if they are from a star fund manager or a fund house with a sound record.'
An investor would pay much less when he invests through a registered investment advisor than a distributor.
Losing a phone has become even more costly after the government's push for a cashless society
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.
These funds carry low risk and should be able to beat the returns from fixed deposits.
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.
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