rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'
A higher TER means a larger portion of the return goes to the AMC, leaving less for the investor, unless compensated by higher returns.
New investors should gradually build a 5 to 10 per cent allocation to gold.
Tough times don't last, but tough people -- and smart financial strategies - do, says Ramalingam Kalirajan
Using credit or debit cards abroad can prove costly.
All that you must know about the pros and cons of gift deeds, tax implications, essentials, documents required, conditions, etc...
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Only investors who understand the significance of ESG investing should enter these funds for the long term, advises Sarbajeet K Sen.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
rediffGURU Ulhas Joshi answers your mutual fund queries.
In India, younger workers willing to work at lower salaries are easily available, so you could find yourself out of a job before 60. Therefore, save for retirement with urgency, advises Sanjay Kumar Singh.
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
Investors need to get the timing of entry and exit right to make money in thematic and sector funds, suggests Sarbajeet K Sen.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Don't exit from growth-style funds as they may benefit next from a shift in investor preference.
An inconclusive end to this war will pose high risk for Netanyahu of a cascading demand for a regime change in Israel, predicts Ambassador M K Bhadrakumar.
Not just unclaimed bank deposits, there are thousands of crores of rupees locked in unclaimed shares and insurance policies lying with many institutions across India.
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
Do you have financial planning or income tax queries? Ask rediffGURU Anil Rego.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
The rupee depreciation will work in favour of students who are currently studying in the US and plan to secure a job that pays in dollars.
'Investors don't have to worry about underperformance in passive funds, which earn market-equivalent returns.'
Nikunj Saraf, Vice President Choice Wealth, answers your queries
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
rediffGURU Ulhas Joshi answers your mutual fund queries.
This sort of property is better suited for an investor rather than an end user.
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
Multi-asset funds offer exposure to gold, which tends to do well in times of geopolitical tensions and inflationary pressures, suggests Sanjay Kumar Singh.
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
A single security lapse could lead to complete wipe out of your crypto assets in seconds, with no recovery in sight, warns Nikhil Sethi.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
'Negotiate a longer agreement with the escalation clause fixed now.' 'This will enable you to control future cost increases.'
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries
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