These plans are suited for individuals and families with regular OPD needs -- those managing chronic illnesses and families with young children or elderly members.
If you redeem your investments when prices have fallen sharply, you will be selling at low prices and may make a permanent loss. On the other hand, if you remain patient and remain invested, you give your investment the time to recover, says Dwaipayan Bose
The fear of losing purchasing power due to inflation and low-interest rates has led many to explore safe alternatives to fixed deposits with high returns
'For 40 years, India valued only technical skills. IITs, coding -- that became everything.' 'Soft skills were sidelined. But those are the skills that will keep you employable now, not technical skills.'
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
Customers must sign the agreement promptly to avoid disruptions. They should read it thoroughly and understand their rights and obligations.
Fraudsters lure individuals with false promises of recovering bonuses or maturity proceeds from lapsed policies.
Education loan growth is set to halve this fiscal (FY26) because disbursements for the US decelerate following a raft of policy changes there.
Valuations at current levels have historically corresponded single-digit returns.
'Opt for a minimum cover of Rs 10 lakh to Rs 15 lakh, especially in urban and metro areas.'
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
Hero MotoCorp Ltd (HMCL) has been the best-performing auto stock over the last three months, gaining over 17 per cent during this period. Multiple tailwinds, especially on the rural front, are expected to boost its volumes. In addition to the demand drivers, new launches too should help drive growth both in the commuter and premium motorcycle categories.
If nominees pass away, distribution is governed by succession laws of insured's religion.
rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them to hybrid funds that can deliver extra returns without the administrative and emotional rollercoaster.
'The universe of PSU stocks is huge and diverse.' 'Investors should bet on specific sectors and stocks from the basket as most of them may continue to consolidate after years of outperformance.'
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
Errors in filing income-tax returns frequently lead to scrutiny notices, additional liabilities, or delayed refunds.
Ajit Mishra, vice president, Research, Religare Broking, answers your queries.
Investors aged 26 to 30 consider the number of followers as a key parameter for trust. However, more than half of investors, who deemed an influencer's registration status as extremely important, were unaware of their actual registration status.
rediffGURU T S Khurana answers readers' personal income tax queries.
The VBL board approved the purchase of SBC Tanzania for Rs 1,304 crore and SBC Beverages Ghana for Rs 127 crore. These own manufacturing/distribution rights for NARTD (PepsiCo branded) beverages in Tanzania and Ghana. The acquisitions will help VBL gain ground in East and West Africa.
'By investing in a basket of funds, FoFs can help minimise the impact of underperforming funds, thus reducing overall investment risk.'
Around six weeks ago, Sun Pharmaceutical Industries, India's largest drugmaker, suffered a setback, which led to a selloff in the share. The US District Court of New Jersey granted Incyte's request for a preliminary injunction against Sun Pharma's launch of Leqselvi, a drug that treats alopecia.
'Right now, silver -- and especially platinum -- are very cheap compared to gold. If I were buying today, I would choose platinum.'
'Investors' decisions should reflect their financial goals, risk tolerance, and the amount of gold already present in their portfolio.'
rediffGURU T S Khurana answers readers' personal income tax queries
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
Maternity expenses can be high, with the costs covering everything from prenatal visits to the hospital delivery charges and post-natal care but choosing the right maternity cover can help overcome these issues, says Bhaskar Nerurkar
Borrowers should consider switching from an MCLR-linked to a repo rate-linked loan.
The interplay between domestic and foreign capital will shape India's equity markets.
rediffGURU T S Khurana answers readers' personal income tax queries.
'Choose an FD tenure that provides a balance between returns and the horizon for which you can invest.'
The return filed could be treated as defective, invalid, or even be considered as not filed at all.
Bharti Airtel vice-chairman & managing director Gopal Vittal on Wednesday said while a call on exercising the option of converting pending spectrum dues into government equity would be taken by its board, the company had reached out to the Department of Telecommunications (DoT) to confirm whether it could do so. "On the adjusted gross revenue (AGR) conversion, it was simple.
rediffGURU T S Khurana answers readers' personal income tax queries.
Even if you have a comprehensive motor insurance policy, it may not provide sufficient protection against monsoon-related risks.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
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