These simple changes can add a significant thrust to your overall money management over time.
If new goals have emerged, this is the time to make fresh investments.
Investors must remember that only resident Indians can open a PPF account and a person can have only one PPF account.
Sandeep Shanbhag, a chartered accountant and director of Wonderland Consultants, a tax and financial advisory firm, discussed the impact of Budget proposals in a chat with Rediff.com's readers.