Non-resident Indians (NRIs) haven't gone big on the Indian stock market story despite the post-pandemic boom. While domestic participation through mutual funds (MFs) and dematerialised accounts has soared, NRI participation figures show limited signs of a similar rise.
Many are attracted by the potential for large gains, but don't necessarily seem to understand that a single trade gone wrong can wipe out their accumulated profits.
'If you invest in sovereign gold bond, you are going to get the price rise of gold over an eight year period.' 'You're also going to get that two-and-a-half percent which the Government of India is willing to give you, treating the money that you've invested in the sovereign gold bond as a kind of a FD or a deposit.' 'That kind of return you can never get anywhere else.'
In the face of tax blow, brokerages remain sanguine about the prospects of asset management companies (AMCs). A sharp correction in the shares of AMCs over the past three months factors in most of the negatives and turned valuations attractive, observe analysts. In its latest report, Kotak Institutional Equities (KIE) has upgraded HDFC AMC to 'add' (from 'reduce') and reprised 'add' and 'buy' ratings on the rest of the listed AMCs - Nippon, UTI, and Aditya Birla Sun Life.
'Set aside around six months' monthly expenses for emergencies.' 'Keep this money in safe and liquid options, such as liquid funds and fixed deposits.'
While the purchases of celebrity investors become public knowledge, what is not known is the price point at which they bought them.
It, effectively, means that employees can invest more in 80C instruments. At present, employees claim tax benefits under Section 80CCD for contributions made towards NPS by both him/her and his/her employer.
While it is suggested that withdrawals and loans against long-term instruments are not the wisest steps, if you really need to do so, here are a few options. . .
The recently-created flexi-cap fund category is emerging as the hottest segment in the Rs 11-trillion equity mutual funds (MFs) space. Buoyed by the success of ICICI Prudential Flexicap Fund, other MFs are lining up new fund offerings (NFO) in this segment. Industry players say the flexi-cap category could emerge as the biggest segment in the equity MF space. Recently, ICICI Pru Flexicap's NFO collected a record Rs 10,200 crore.
Companies providing portfolio management services (PMS) had a tough time beating the benchmark index in January, with more than half of the schemes invested in large companies underperforming in the run-up to the Union Budget. The Nifty 50 index was down 2.5 per cent during the month. Only around 44 per cent of PMS schemes did better, among the schemes investing in large-cap companies. The analysis is based on data from industry tracker PMS Bazaar. Half the mid-cap schemes outperformed, while the rest underperformed.
The BSE SmallCap index gained 106 per cent in the one year ended May 12, 2021.
Affordable pricing, a variety of themes, and the ease of transacting are among key reasons that have made smallcases a hit among young investors.
The pandemic should force you to take a hard look at the downside risks that could jeopardise your finances.
Processing fee waived on car, gold and personal loans till December
Taxation has played spoilsport despite double digit returns.
For investors, every cost-saving means higher returns.
You can exit Ulips after five years.
The EPFO launched one-page simplified forms for withdrawal.
Always avoid companies that promise assured returns that are too good to be true.
Experts say it could make divorces amicable and help reduce court cases.
ICICI Bank's new offer is for those with savings in fixed deposits but no immediate liquidity
The higher the tax bracket, better the yields for these instruments
Add a term plan with a child mutual fund for best results.
Otherwise, EPFO can freeze your account. But seek detailed calculation to verify the numbers
These schemes are expected to perform in the next 2-3 years.
Cost of health care is rising at a fast clip.
Look at those offering 100-300 bps more and have good rating; it will improve your portfolio's returns.
Keep regular track of financials, including cash flow and management changes
What can households do with the old Rs 500 and Rs 1,000 notes? How can they find Rs 100 and smaller denominations?
While riskier than debt, Sebi's stringent guidelines may ensure a safe and liquid product.
With a common account number, you can use the MF Utilities platform to invest in any fund house's scheme.
Lending on peer-to-peer platforms is fraught with higher risks but investors can earn as much as 12% to 36%.
Do you know you can invest in funds to donate money for a good cause?
You can look at equity-oriented balanced funds.
It is important to preserve copies of benefit illustration and product features.
Many hurdles that investors could have faced after enrolling for the scheme have been removed.
For ageing parents it is crucial to make a water-tight will.
Thanks to Budget 2018, seniors can invest more and also save more.
Don't let knotty financial issues weaken your marital bond. Heavy liabilities of one partner have the potential to sour a new relationship. So, develop a plan for how you will deal with these.
Three or four accounts are enough for one family. Having more increases paperwork and can be misused as well.
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