Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should lock in to instruments offering higher returns.
While for the consumers, there is some gain and some pain, for India Inc, it's all about compliance, consolidation and parity
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
While using the family to save tax is legal and smart, ensure you use the ones where clubbing income laws isn't a concern, advises Bindisha Sarang.
People who are close to retirement and don't intend to go back to full-time work again should deploy a part of their VRS money in equities so that it keeps growing at a faster rate.
The popular Five-Year National Savings Certificates will earn an interest rate of 8.1 per cent from April 1 as against 8.5 per cent, at present.
If the interest rate on bank deposits is linked to any external benchmark, it would jeopardise the banks' fund-raising ability. Interest rates on small savings schemes are likely to be reduced very shortly, to maintain parity. All these steps would indeed affect retired people, and particularly those dependent on interest income, says Arindam Gupta.
RBI has also announced new guidelines to price loans from April 1.
How investors can tweak their fixed income investments to earn more in the current environment.
For longer tenure products, they offer higher returns compared to other instruments. But for shorter tenures, things are getting tighter for investors.
Tax planning will help you pay less income tax. Something everyone wants. But smart tax planning will help you boost your portfolio.
Tax-saving investments should not be made with the sole purpose of saving tax, but should also help an individual grow his wealth, suggests Archit Gupta, founder and CEO, ClearTax.
You need not worry even if there is a mismatch between your income and deduction in Form 16/16A and Form 26AS, says Ashley Coutinho
Many hurdles that investors could have faced after enrolling for the scheme have been removed.
Thanks to Budget 2018, seniors can invest more and also save more.
The next revision will make the rates similar to those of bank FDs.
Post office savings of 1, 2 and 3 year term deposits and 5-year recurring deposit currently fetch 8.4 per cent interest per annum.
Retirees must also try and purchase a senior citizens' policy, despite steep premiums.
Conservative investors and those in the lower tax bracket should opt for these, experts tell Sanjay Kumar Singh
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
Expect more volatility in the coming year as the economy and markets price in the demonetisation drive.
This mindless medley of products does not create choice.
'Where in the world you get 12.5 per cent return of interest?'
There will be higher charges for bank account-holders.
Retirees have better options that offer liquidity, better returns and are more tax-efficient.
After retirement, the pressure on finances increases in the absence of regular income. Here are a few suggestions to ensure a smooth post-retirement life
Even if interest rates go down, they may continue to offer better returns than fixed deposits.
Government to pay disproportionately high interest for borrowings from savings, overturning a nearly two-decade-long process of reforms in the management of public debt.
'The rate of interest from the EPF is still attractive compared to the rates on fixed deposits, National Savings Scheme, Public Provident Fund...'
Depending on your liquidity requirement, invest in the right debt instruments.
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