SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
With the introduction of 10 per cent tax both on long-term capital gains and on dividend, choose funds based on investment horizon and risk appetite, not on tax advantage, experts tell Sanjay Kumar Singh.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) will answer your personal finance-related questions.
Begin the year-end review by assessing whether your portfolios are on track to achieve your life goals.
How do you pick a mutual fund scheme that suits your needs?
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor, suggests Sanjay Kumar Singh.
If your fund's expense ratio has risen dramatically after Sebi's recent changes, compare it with the category average before switching.
Why the case for investing in passive funds is becoming stronger.
Investors should consider debt mutual funds, banks fixed deposits or high-rated corporate debt instruments.
'If you retain your account with the EPFO for 10 years, you get a life-long pension.'
The choice should depend on the size of the retirement corpus, stage in life, and state of health.
A prudent guideline for self-employed individuals is to target at least 10 to 15 times their actual annual income when determining life insurance coverage.
Don't worry about volatile, erratic cash flows, freelancers. Vishal Dhawan explains how you can invest and achieve your financial goals despite irregular income.
Physical advisors have been receiving tough competition from algorithm-based investment counselling and robo-advisories.
Long-term tax on capital gains arising from selling a house can be invested in another property under Section 54.
Investing heavily in a top-performing fund during good times can cause long-term pain. Don't invest lump sum at market peaks.
'It is crucial to understand that the ultimate goal of your investments isn't to pay lesser tax, but to create long-term wealth for you and your family,' says Satyen Kothari, founder and CEO, Cube Wealth.
A new couple's financial situation changes from their bachelor days.
Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your queries.
Go for high quality and low-to-medium-duration funds in your debt portfolio
Your financial goals are of utmost importance and the tax saving is an added incentive, advises Dwaipayan Bose.
Debt fund managers think the Reserve Bank governor might at best go for one rate cut in April.
Once the child is 90 days old, parents must add her to the family health floater cover, suggests Sanjay Kumar Singh.
Over longer periods of three, five and 10 years, small-cap funds have rewarded their investors handsomely.
Don't focus on market or product returns -- focus on your target rate of return, and then choose an investment.
Reduce frill expenses, monetise your assets and invest in professional development to negotiate the choppy phase.
Here's how beginners can follow a very practical approach for finding stocks for long term investing and building a decent portfolio.
A robo advisor may seem like the perfect solution for those with only a small investment capital who are just starting their investment journey, says Mrin Agarwal, founder, Finsafe India.
Bear in mind that the amount you get paid depends on the stage at which cancer is detected, reveals Sanjay Kumar Singh.
The Budget has changed the rules for Indian citizens and persons of Indian origin visiting India. Instead of 182 days, the number of days has been reduced to 120. You will be treated as a resident of India for tax purposes if you stay in the country for more than 120 days in a financial year and 365 days in the past four years. One consequence of the change will be that people of Indian origin who reside outside India will be able to spend a smaller number of days in the country if they wish to keep their non-resident status intact, points out Sanjay Kumar Singh.
Banks and insurers are beginning to reward customers who show exemplary conduct with lower prices and penalise those who behave poorly by imposing higher costs.
Are retirement homes attractive options for the elderly? Experts feel it is a good option to be able to live an independent and activity-filled life. But don't buy it as an investment
After retirement, the pressure on finances increases in the absence of regular income. Here are a few suggestions to ensure a smooth post-retirement life
With stock prices at elevated levels, investors must cut valuation risks in their portfolio
Consumption is among the most diversified and sought-after themes in Indian equities. Over the past five years, consumption theme funds have given an annualised category average return of 15.17 per cent, according to the data from Value Research. But this theme has been affected by the Covid-19 pandemic, which impacted jobs and livelihood.
When an NRI returns to India, he should be aware of his tax residency status.
A good planner will take the role of a family doctor.
US IT industry has opposed Obama's move to tax overseas earnings.
An investor would pay much less when he invests through a registered investment advisor than a distributor.
