In 2021, there is the risk of interest rates spiking. Investors should tackle duration risk with a longer investment horizon, suggests Sanjay Kumar Singh.
'If you miss the deadline, you can still file a belated tax return till March 31, 2021, with a fee under Section 234F, which could be up to Rs 10,000, in addition to an interest under Section 234A and 234B of the Act.'
'Remember, if an app breaks the rules while giving you money, it will also break them while collecting.'
Sanjay Kumar Singh suggests key factors investors need to keep an eye on while choosing the direct investment route.
Cheque payments will be safer; the limit for contactless card transactions hiked.
The trick is to know how long you are supposed to hold which document, observes Bindisha Sarang.
Many investors, who have made money in the rising market of the recent past, are pulling out of equity funds, believing that they can earn more by investing directly.
Tax planning should not be left for March. If you do so, you could face a severe cash crunch in that month, warns Sanjay Kumar Singh.
Some of these plans will weigh on your pocket. The increase in premium could also be large as you grow older.
Once the new rules kick in, you will have less cash-in-hand and may feel tempted to scale back on savings and investments.
There can be as many as six co-applicants in a joint loan.
With a 'yes' vote, there is a more foreseeable outcome, while a 'no' could result in greater uncertainty, for which retail investors may not have the appetite.
Despite price correction, policies that support the yellow metal will remain in place in the foreseeable future.
Annual premiums do not exceed what you readily shell out for an OTT subscription.
If you are scouting for a property, finalise the deal within the next seven months and benefit from this measure, suggests Bindisha Sarang.
Bear in mind that the amount you get paid depends on the stage at which cancer is detected, reveals Sanjay Kumar Singh.
Only those who stick to the old I-T regime will get this benefit.
When looking for alternatives, consider several parameters -- your investment horizon and liquidity requirement, post-tax returns, and risk.
Almost all banks that issue contactless cards provide users with a 100 per cent liability cover.
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