Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
While EPF rewards patience and compounds your money, inflation decides how far your money really goes.
'Stopping now would defeat the core purpose of an SIP, which is to average out the purchase cost over market cycles.'
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'Pick a sum insured that realistically covers major hospitalisation costs in your city.'
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People connect with people. No matter how small your brand is, when you share your journey or the why behind your business, you automatically humanise your brand and make it unique as compared to faceless competitors, says Vinayak Burman.
Aggressive pricing by brands have made the 5g mobile phone affordable; you can get good options around Rs 10,000.
Investors seeking higher returns at relatively higher risk should consider allocation to smallcap equity funds.
Before booking a flat, buyers should confirm that the project is registered with the state's Rera portal.
The income tax department will allow people to file 'belated return' until December 31.
Don't let knotty financial issues weaken your marital bond. Heavy liabilities of one partner have the potential to sour a new relationship. So, develop a plan for how you will deal with these.
A woman can do many wonderful things if she wishes to, and one of them is to grow her money.
Avoid donating without checking the receipt proforma showing the political party's ECI registration number and PAN.
Make sure the rider adds value rather than just adding to cost.
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Largecap equities are less volatile than mid- and smallcap stocks, making them suitable for risk-averse investors.
'Reviewing terms such as war, invasion, acts of foreign enemies or hostilities, which often appear in industry exclusion lists, can help avoid surprises at the time of claim.'
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
Those who have binged on credit must spend less, cut discretionary expenses, and focus on repayment.
New investors or those with lower-than-planned exposure should add US-oriented funds through SIPs.
Loan against fixed deposit is cheaper and comes with fewer charges.
Algo trading should be segregated in a separate account with only risk capital deployed.
Before signing up for a BNPL plan, read the fine print carefully and watch for red flags like unclear repayment terms, vague information on interest or late fees, and marketing that downplays the cost of default.
Younger customers should opt for increasing cover as their financial commitments are likely to rise in the future.
Is the latest mobile or car or a house the goal? If so, the savings and investments should be aimed at catering to it. The amount needed has to be worked out, and money needs to be saved, accordingly, suggests Sarbajeet K Sen.
Lawful possession means having both actual control over a property and a valid legal right to keep it, usually based on a registered sale deed, lease agreement, or lawful allotment.
'First-time or conservative investors should avoid narrow sectoral funds.'
For homebuyers, the OC is not just an administrative formality but the very basis of lawful possession. Without it, the property is deemed unauthorised, exposing buyers to risks such as eviction, denial of utilities, or even demolition.
'Having a separate healthcare corpus is extremely important even for those already covered by health insurance.'
Carrying part of the money as currency and the rest in a travel card makes for a hassle-free holiday abroad at the least cost.
One should avoid keeping excessive funds in one's savings account.
'A price of $6,600/oz is now a reasonable target for gold.'
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'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.'
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