'Comparing the rates of interest with PSU banks, the three- and five-year time deposit rates of the post office are more favourable.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Senior citizens should avoid putting their entire retirement corpus in SCSS.
Thanks to Budget 2018, seniors can invest more and also save more.
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
Mihir Tanna, Associate Director, S K Patodia & Associates, answers your tax queries.
Even if interest rates go down, they may continue to offer better returns than fixed deposits.
How investors can tweak their fixed income investments to earn more in the current environment.
Depending on your liquidity requirement, invest in the right debt instruments.
'Decide on an asset allocation you are comfortable with and stick to it for the long term.'
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
Investments in Sukanya Samriddhi Account will earn higher interest rate of 9.2%.
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
This mindless medley of products does not create choice.
For longer tenure products, they offer higher returns compared to other instruments. But for shorter tenures, things are getting tighter for investors.
Retirees must also try and purchase a senior citizens' policy, despite steep premiums.
Tax-saving investments should not be made with the sole purpose of saving tax, but should also help an individual grow his wealth, suggests Archit Gupta, founder and CEO, ClearTax.
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