Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
The systematic withdrawal plan stands out as a superior option, providing steady income despite market fluctuations and inflation, says Ramalingam Kalirajan.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
rediffGURU Vivek Lala answers your income tax and personal finance queries.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'Stick to FDs of shorter tenures, preferably one-two years.'
'FDs should hold your emergency funds, equivalent to around 6-12 times your monthly expenses.'
Manas Sood, a Class 12 student from the Delhi Public School, has distributed 2,650 boxes of Tax City Education and empowered over 12,000 students from 52 schools across India. His aim? To help young Indians understand taxes and become financially literate.
Saurav Ghosh's step-by-step guide will help you understand what bonds are, how they help investors make money, how much money they make and which bonds to invest in.
Only a limited set of investors should invest directly in corporate bonds.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
When investing in fixed-income products, balancing considerations like safety, liquidity, and income is essential.
'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.'
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Most tax notices arise not from wrongdoing, but from unintentional mismatch or ignorance.'
rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
'I don't know when I will be able to access those funds.'
FDs are not advisable for long-term wealth creation as their post-inflation, post-tax returns are not very attractive.
rediffGURU T S Khurana answers readers' personal income tax queries.
Do not keep a large portion of your long-term portfolio in FDs.
People with modest incomes can also build a crore-worthy portfolio by investing small amounts consistently, says Ramalingam Kalirajan, and shows how the magic of compounding works.
Now that bank FD rates have gone up and most BAFs haven't delivered good returns, these investors are likely to be moving back to FDs, observed a senior MF distributor. The performance of BAFs in the past year has been mixed.
Systematic Investment Plan (SIP) and Systematic Withdrawal Plan (SWP) are very crucial. Here, we will help you understand how these tools can pave the way for a stress-free retirement.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
At a time when banks are finding it challenging to mobilise resources, State Bank of India (SBI)-the country's largest lender-has devised a three-pronged strategy to boost deposit accretion. First is an aspirational product that promises to make depositors lakhpatis by helping them grow their deposits to Rs 1 lakh through recurring deposit (RD) schemes.
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
When looking for alternatives, consider several parameters -- your investment horizon and liquidity requirement, post-tax returns, and risk.
Here's a formula that helps you understand how much money you will need to retire early in India and simple steps to achieve it.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
Mihir Tanna, Associate Director, S K Patodia & Associates, answers your personal income tax queries.
Keep regular track of financials, including cash flow and management changes
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Longer-tenure FDs generally give higher returns. Nonetheless, going for a tenure higher than two to three years is not advisable.
The answer depends on your financial goals and risk appetite, says Certified Financial Planner Ramalingam Kalirajan, and explains why.
These funds carry low risk and should be able to beat the returns from fixed deposits.
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