Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
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.
Are investors emotional or rational in their investment decisions? Let's take a look.
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.
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.
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.
Avoid discontinuing your SIPs. Persist for at least 7-10 years.
'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.'
ULIPs essentially combine the benefits of an insurance policy and a market-linked investment.
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.
Unless something changes, Mr Trump is a huge threat right now, which is perhaps not being recognised fully, cautions Debashis Basu.
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.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
'The President-elect firmly believes we can avoid conflict with the Chinese Communist party because they need our markets.'
SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
Ask rediffGURU Ulhas Joshi your mutual fund queries.
'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.'
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
rediffGURU Vivek Lala answers your income tax and personal finance queries.
Even investors with sums as low as Rs 1,000 per month can start their investment journey.
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.
Investment advisors and agents use these myths to their advantage
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
'The move to remove indexation benefits on LTCGs presently available for property, gold, and other unlisted assets may have a negative impact as it directly impacts real estate investors.'
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
Gold burnished its image as the go-to asset class during turbulent times. However, investors seemed to have missed the bus. Net inflows into gold exchange-traded funds (ETFs) plunged to a four-year low of Rs 653 crore in 2022-23 (FY23), even as gold emerged as the top-performing asset class.
Using the debt-to-GDP ratio as a fiscal anchor aligns with efforts to promote fiscal transparency through proper disclosure of off-budget borrowings.
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Inflation is not good for industry. Nor for the economy as a whole.'
'2025 is the year to build a portfolio for the future. Focus this year should be on valuations and visible growth.'
'Consider your household's financial health and all your other goals.' 'Buying a house might seem like an urgent goal, but it is rarely the only one.'
If a 5% to 10% fall in the equity market gives you sleepless nights, you are not cut out for a 75% to 80% allocation to equities and must reduce it.
Investors should view the increase in the LTCG tax rate in conjunction with the increase in capital gains exemption from Rs 1 lakh to Rs 1.25 lakh, which will provide some relief.
How do you stay calm, relaxed and focus on the important things that matter in the countdown to your special day? Get expert advice from rediffGURUS.
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
The draft digital personal data protection (DPDP) rules, which require banks to obtain explicit consent from their customers before using their data for purposes beyond the original intent, although is being followed in spirit, leaves no room for regulatory arbitrage, experts said. They said that the potential business impact is difficult to assess at this stage, but the formalisation of these rules will mean banks now need to establish clear data processing agreements with third-party entities to ensure compliance.
Feature for feature, bank FDs are indeed better than debt funds today, mainly thanks to Ms Sitharaman, notes Debashis Basu.
New investors should gradually build a 5 to 10 per cent allocation to gold.
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