The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
'Buy early and review the sum insured regularly.'
'Combining individual or family policies with corporate cover, along with top-ups and wellness programmes, can help maintain strong health protection throughout life.'
'There'll be extended periods where things aren't working in your favour. But if you believe in the cause profoundly, then you simply persevere.'
'They are a poor fit for anyone with near-term goals, low volatility tolerance, or a need for steady income or liquidity.' 'First-time investors should typically avoid them.'
Quoting an incorrect PAN during property registration can invite penalties and prosecution.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
Medical negligence arises when a medical professional deviates from reasonable standards of care, causing injury to the patient.
'An asset must generate income. Equities yield dividends, bonds pay coupons, deposits give interest, and real estate earns rent.' 'Gold, silver, and even Bitcoin produce no income, they merely store value. So, they should not be compared to productive assets.'
'Defence, capital goods, engineering, capital market-related stocks, autos, and cement sectors are my bullish bets for Samvat 2082.'
'Reduce your equity allocation, put that allocation into gold and fixed income.'
Top Indian cement firms are expected to report a strong earnings growth for the second quarter of the financial year 2025-26 (Q2FY26) on a year-on-year (Y-o-Y) basis, amid improved realisations, prices, and steady volume growth, but on a low base.
Hindustan Unilever Ltd's (HUL's) second quarter 2025-26 (Q2FY26) consolidated revenue rose 2 per cent to Rs 16,250 crore, with low or flat volume growth. Demand remained stable but goods and services tax (GST) transition and prolonged monsoon hurt offtake.
Here's what Indian investors diversifying into equities, ETFs, and real estate abroad to manage risk, returns, and currency exposure must watch out for.
Colgate-Palmolive India's September quarter (Q2FY26) performance has reinforced concerns among brokerages about the company's continued market challenges.
'The government is putting insurance in the same category as food, which is essential for life.' 'Now this is an opportunity for the sector to focus on the consumer.'
'The outlook for the next Samvat is more constructive, as many of the earlier drags are gradually becoming supports.'
His inheritance was a double-edged sword because the NDA was understandably interested only in highlighting that part of the RJD's tenure in government that evokes kidnapping, extortion, and lawlessness.
rediffGURU Chocko Valliappa offers crucial career advice to engineering aspirants.
Do not panic on receiving a notice. Verify if your work falls under professions notified in Section 44AA(1).
Marico is expected to post high single-digit volume growth in the India business in the July-September quarter. However, it is expected to moderate sequentially, the company said in its quarterly update on exchanges.
'Always keep accurate and transparent records of the source of the investment or property's funding: Loan agreements, transfer records of the property, and bank statements of co-owners if available.'
In an age where personal data is a valuable commodity, investing in cyber insurance is not just a prudent choice; it is becoming a necessity for individuals and families alike, says T A Ramalingam.
'India is a big market for StanC, and it is also fastest growing economy in the world.'
Real wealth isn't built on random bets; it's built on disciplined, guided portfolio strategies that can withstand market ups and downs, says Ramalingam Kalirajan.
'Other sectors that manage the savings pools of Indians are giving tough competition to life insurance companies.'
'Investing in these funds makes sense if their net yield over better-quality funds -- corporate bond funds or banking and PSU funds -- is meaningful.'
'If nominal growth improves and earnings pick up, Indian stock markets could see a rally next year.'
rediffGURU Shekhar Kumar, senior manager, talent acquisition, at the Shri Venkateshwara University in Gajraula, Uttar Pradesh, offers career advice on how to optimise your skills, build your network and make the most of your workplace.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
By June 2025, financial freedom will be just an ATM away. Pleasantly surprised? But there's more, says Ramalingam Kalirajan
Given the stronger rural activity, and potential goods and services tax (GST) impact, investors are bullish on the two-wheeler (2W) segment. In August, dealers in the domestic market picked up 11 per cent more 2Ws year-on-year (Y-o-Y), despite only 2 per cent growth in retail registrations. This indicates inventory stocking ahead of the festival season. Export trends were good. TVS Motor and Royal Enfield may have gained domestic market share.
The proposed reforms in goods and services tax (GST) announced by the government last week, coupled with the eighth pay commission dole-out, is likely to push consumption-driven stocks - such as air conditioners (ACs), select automobiles, fast-moving consumer goods (FMCG), retail, and counters of quick-service restaurants (QSRs) - into higher orbit over the next few months, believe analysts.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Many buyers skip or misread critical provisions in builder-buyer agreements.
Young investors with a higher risk appetite are better off with a combination of term insurance and equity funds.
Fraudsters lure individuals with false promises of recovering bonuses or maturity proceeds from lapsed policies.
'A balanced portfolio mix of domestic and international equity, fixed income, and precious metals is recommended.'
'Long-short SIFs are designed for seasoned, high-risk, high-reward investors, who understand market volatility.'
One of the most exploited provisions is Section 10(13A), which permits exemption on HRA.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
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