Investors should view the increase in the LTCG tax rate in conjunction with the increase in capital gains exemption from Rs 1 lakh to Rs 1.25 lakh, which will provide some relief.
'If you are investing in a Ulip for returns, go for a type I Ulip.' 'If you are investing for insurance cover as well, type II is better.'
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
Keep track of your foreign remittances to avoid giving incorrect declarations as these could be held against you.
The choice should depend on the size of the retirement corpus, stage in life, and state of health.
Senior citizens should avoid putting their entire retirement corpus in SCSS.
'Set aside around six months' monthly expenses for emergencies.' 'Keep this money in safe and liquid options, such as liquid funds and fixed deposits.'
Rebalance the portfolio at least once a year to ensure it remains in sync with the target asset allocation.
Bundled products often come with restrictions. The customer also gets locked into two products at the same time. This reduces flexibility.
In India, younger workers willing to work at lower salaries are easily available, so you could find yourself out of a job before 60. Therefore, save for retirement with urgency, advises Sanjay Kumar Singh.
Raise the amount of life cover you own if your liabilities and responsibilities have increased during the year, says Arvind A Rao.
The grandfathering clause and set-off provisions can be used to reduce the tax payable on sale of bonus shares, says Arvind A Rao.
Raise in NPS entry age gives seniors another retirement-saving option but they should invest at least Rs 50,000 to avail of the additional tax benefit scheme provides, reports Sanjay Kumar Singh
Raising equity exposure to 50 per cent in the National Pension Scheme will benefit young investors, provided they can stomach higher volatility.
Because of a new notification, any retirement planning done by non-resident Indians through PPF will go for a toss, experts tell Sanjay Kumar Singh.
Ponzi schemes have characteristics that the informed investor can spot easily.
Restrict investment to Rs 50,000 for tax benefits, experts tell Sanjay Kumar Singh, but caution that taxation at maturity and compulsory annuities are dampers.
The first step in your order of priority should be to pay off any high-cost debt you might have incurred.
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