There is no ignoring the respectable returns given by National Savings Certificate, which are not only assured, but also tax-exempt under Section 80C and government-guaranteed.
'Decide on an asset allocation you are comfortable with and stick to it for the long term.'
Here's how EPF stacks against other investment options
In a move that will hit the common man, the government on Friday slashed interest rates payable on small savings including PPF and Kisan Vikas Patra (KVP) in a bid to align them closer to market rates.
For longer tenure products, they offer higher returns compared to other instruments. But for shorter tenures, things are getting tighter for investors.
A combination of ELSS or PPF with a term plan offers better coverage and returns
Post office savings of 1, 2 and 3 year term deposits and 5-year recurring deposit currently fetch 8.4 per cent interest per annum.
Getting locked into instruments before the new regime kicks in would be a good strategy.
Leading up to the International Women's Day on March 8, this is the first of a four-part series that talks about how women can invest to achieve their long-term financial goals.
What if you could have an option apart from personal loan in times of crisis?
Investments and expenses under section 80 C allows various tax benefits, says Harjot Singh Narula
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
The Centre has to bear the maximum burden of borrowing NSSF loans to the tune of Rs 1 lakh crore.
In an online chat with Rediff.com readers, G Srikanth, partner, GSV Associates, chartered accountants, Chennai and member of the Institute of Cost and Management Accountants, answered queries about the new income tax proposals mooted in the Union Budget 2020-2021.
'Apart from providing you with the ability to withstand escalating medical expenses, a dedicated financial plan for health will also ensure financial independence in old age,' advises Arun Thukral, MD & CEO, Axis Securities.
Government to pay disproportionately high interest for borrowings from savings, overturning a nearly two-decade-long process of reforms in the management of public debt.
For the wealthy, post-tax returns of debt funds would work out better
Equity-linked savings scheme, PPF and Sukanya Samriddhi Yojana are recommended instruments.
SBI has twice hiked interest rates on fixed deposits within a month, but an investor still gets better returns at the post office.
The tax rate rises to 10 per cent, 15, per cent, 20 per cent and 25 per cent for every Rs 2.5 lakh addition. A 30 per cent tax is charged for income over Rs 15 lakh.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Let not the smartness be confined only to your phone... Transfer it to borrowing too! Here's how
There is no reason for a child with no dependents to have insurance because insurance is put in place to provide for the child in the event of a parent's untimely death and not the other way around, says Amar Pandit.
Indian state's generosity is not restricted to its poorest citizens.
A six-point comparison by Anil Chopra, Group CEO & Director, Bajaj Capital
Both the RBI and the central government should see that the transmission of the rate reduction by the banks happens soon, otherwise the whole exercise is futile, says Subramanian MV.
Smart investors fine tune their investments as per the Budget announcements to make the best possible use of tax deductions and other sops.
You need not worry even if there is a mismatch between your income and deduction in Form 16/16A and Form 26AS, says Ashley Coutinho
Just in case you have surplus funds and are thinking about it, here are some pros and cons you must know...
Don't worry about volatile, erratic cash flows, freelancers. Vishal Dhawan explains how you can invest and achieve your financial goals despite irregular income.
Insurance firms have designed amazing retirment plans to lure more customers.
'The rate of interest from the EPF is still attractive compared to the rates on fixed deposits, National Savings Scheme, Public Provident Fund...'
Chartered accountant and Sebi registered investment advisor, Harsh Vardhan Roongta, answers your home loan queries
Savings in deposits by the households rose, however, to Rs 1 trillion (17 per cent) in the year to Rs 6.91 trillion in FY14 as against Rs 5.91 trillion in 2012-13.
It is difficult to answer this question in yes or no. Here's Dwaipayan Bose's thorough analyses
Harjot Singh Narula lists 5 lessons Diwali teaches you about your financial future
'Where in the world you get 12.5 per cent return of interest?'
Today one can easily file returns online.
In an online chat with readers, Investment Advisor Harsh Roongta answered their queries on the ban on Rs 500 and Rs 1000 notes.
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