The amazing excuses given by people who don't invest their money abound, but you would be wise to ignore them. Excuses won't help you get ahead; they can only hold you back from the retirement you deserve, says financial planning advisor P V Subramanyam
Implications for capital gains, wealth taxes, and investment strategies require careful consideration, notes Anil Rego, founder and CEO, RightHorizons.
Real estate developers are hoping that the slew of tax concessions announced in Union Budget 2025, set to take effect this financial year, will spur demand for affordable and mid-segment housing, even as the broader housing market shows signs of fatigue.
'...how do they consume and contribute to the GDP?'
Those who cannot bear significant downturns (as much as 40 per cent) or have a short horizon should exit entirely.
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
While Elon Musk's political influence continues to grow, his business empire is witnessing headwinds.
This will be the first full-year Budget of the BJP-led National Democratic Alliance government since it came to power for a third consecutive term in July last year.
'If their allocation to certain segments have become high due to strong returns over the past three-four years, they should rebalance their portfolios and bring them in line with their long-term asset allocation.'
Prime Minister Narendra Modi and United States President Donald Trump on Monday vowed to work towards a 'trusted' partnership with a focus on boosting India-US cooperation in areas of trade, energy and defence in their first phone conversation since the American leader's inauguration last week.
The TMC-led West Bengal government has already started laying the groundwork for the election, setting the tone with the recent Bengal Global Business Summit and the state Budget.
'If you are investing in a Ulip for returns, go for a type I Ulip.' 'If you are investing for insurance cover as well, type II is better.'
Avoid discontinuing your SIPs. Persist for at least 7-10 years.
Prime Minister Narendra Modi concluded his visit to the United States after holding high-level bilateral talks with President Donald Trump on a wide range of subjects, including trade and technology, defence and security, energy and people-to-people ties. The two leaders decided to take a significant step in deepening their strategic ties, particularly in the areas of defence, energy, and critical technology. Modi also met with key American officials, including National Security Advisor Michael Waltz and Director of National Intelligence Tulsi Gabbard, and prominent business leaders like SpaceX CEO Elon Musk and Indian-American entrepreneur Vivek Ramaswamy.
'If the portfolio growth rate is higher, take this loan. If it is lower, liquidate your investments.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Sebi is looking at introducing a system where an investor can sell shares as soon as they are allotted in an Initial Public Offering (IPO) to curb grey market activity, chairperson Madhabi Puri Buch said on Tuesday. The chief of the capital markets regulator also announced that the top two proxy advisory firms are on the verge of launching a portal which will be a repository of related party transactions and will be useful in judging the governance standards in a company for any stakeholder.
Unless something changes, Mr Trump is a huge threat right now, which is perhaps not being recognised fully, cautions Debashis Basu.
Many enter this arena without a detailed understanding of how their algo works.' 'Diligently review information on the strategy, risk profile, potential losses, and expected gains before investing.'
Senior citizens should avoid putting their entire retirement corpus in SCSS.
'If they aim to remain aligned with the public sentiment, as any democratic government should, then they must respond. Why else would the prime minister have cut short his visit to Saudi Arabia? And why would he have instructed the home minister himself to travel to Srinagar to assess the situation firsthand? This suggests that something is indeed being planned. I am quite certain of that, although the exact form it will take remains to be seen.'
While equity savings funds could offer higher returns over three-five years, they would also be more volatile.
India's economy is likely to grow by 6.5 per cent in the current and the next financial year, an EY report said, attributing lower than anticipated expansion in the September quarter to fall in private consumption expenditure and gross fixed capital formation. Real GDP growth eased to a seven-quarter low of 5.4 per cent in July-September -- the second quarter of the current 2024-25 fiscal year.
Here's how beginners can follow a very practical approach for finding stocks for long term investing and building a decent portfolio.
'Despite rising inflows, many NRIs lack awareness about NRO and NRE accounts and mistakenly use family accounts or invest in a relative's name.' 'Many are unaware of tax implications.'
The challenge isn't in selling -- it's easy to sell when the market peaks. The real challenge is in buying back.
Fifteen companies have launched their initial public offerings (IPOs) in December 2024, making it the best month for public offerings since 1996. Collectively, they have raised Rs 25,425 crore, which also made December the best month in terms of the quantum of funds raised. In December 1996, 33 companies had raised Rs 931 crore.
'The President-elect firmly believes we can avoid conflict with the Chinese Communist party because they need our markets.'
'Those trying to use these funds for quick gains should avoid them due to risk of being late to the party.'
Various online platforms let you invest in direct mutual funds.
Find out whether the fund is equity, debt, or hybrid oriented. 'Understand the portfolio composition and whether it suits your risk appetite and horizon.'
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'If the borrower can't repay the loan due to lack of income or losses from speculative activities, they risk defaulting on it.' 'This could lead to the bank seizing the property.'
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Avoid relying on a bank RM for investment advice. Instead, approach a Sebi-registered investment advisor whose livelihood depends on the fee paid by his customers and not on product commissions.
Using the debt-to-GDP ratio as a fiscal anchor aligns with efforts to promote fiscal transparency through proper disclosure of off-budget borrowings.
In a falling market, the value of your investment keeps going down. However, the reduction in value is purely a notional loss if you remain invested. When you redeem in a falling market, the notional loss becomes a permanent loss, explains Anamika Pareek.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Avoid discontinuing your SIPs. Persist for at least 7-10 years.
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