Retiring at 50 is not unrealistic. It simply requires: Discipline + Long-Term Vision + Compounding
Analysts are increasingly optimistic about India's capital markets, with HDFC AMC, CAMS, and KFin Technologies identified as top investment picks. This optimism stems from a structural shift in household savings towards financial instruments and an expected multi-year earnings expansion for market infrastructure providers and asset management companies.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
The LPG squeeze on India's restaurant sector is the quotidian face of a deeper crisis.
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
The wife of a Haryana Police officer who allegedly died by suicide has claimed his death was the result of 'systematic persecution' by high-ranking officers and has filed a complaint requesting an FIR be registered.
The systematic withdrawal plan can work for you. But only if you know how to use it to your benefit.
As deposit growth lags credit expansion, Indian banks face shrinking low-cost Casa inflows, rising funding costs, and structural shifts driven by UPI, e-Kuber, and digital savings trends, points out Tamal Bandyopadhyay.
'I noticed a nine-year-old child hugging another child every few minutes.' 'The two were sisters and were playing in their village when an armed gang attacked their village and set fire to it.' 'They hid together, only to witness their mother and father being killed.' 'Now, the older child is constantly comforting the younger one.'
These schemes are a good choice for investors contemplating a large investment in equity funds. Instead of investing all the money in one go, they can do so in a staggered manner by parking it in these schemes and then transferring it to equity mutual funds through a systematic transfer plan.
Returns in Systematic Transfer Plan are consistent as money invested in debt mutual fund schemes earns interest till the time the whole amount is fully transferred to equity fund, says Vishwajeet Parashar, Sr VP and Group Head -- Marketing, Bajaj Capital
Current stock market volatility is making investors wary. There is no clear direction as to how markets will pan out over the next couple of months. In such times, a staggered approach to investing can be a good option.
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
If you redeem your investments when prices have fallen sharply, you will be selling at low prices and may make a permanent loss. On the other hand, if you remain patient and remain invested, you give your investment the time to recover, says Dwaipayan Bose
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Systematic Withdrawal Plan, or SWP, can help you achieve your financial goals. Ramalingam Kalirajan's step-by-step guide on how to effectively use an SWP.
Anil Rego, CEO, Right Horizons, answers your personal income tax queries.
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
rediffGURU Hemant Bokil answers your personal finance queries
The good news is investors can make 5 to 6 switches during a year among funds depending on the insurance companies without incurring any costs.
Now STPs or variable SIPs can earn better returns than vanilla SIPs.
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.
After the rationalisation and categorisation of mutual fund schemes undertaken by the Sebi in October 2017, overnight funds have emerged as a distinct category.
Knowing these will save you from taking undue risks, losses and also create wealth in the long run, says Dwaipayan Bose.
Retirees must also try and purchase a senior citizens' policy, despite steep premiums.
The SIP route suits the salaried class, by matching their income flows with investment frequency.
Do you have parents who have turned 60? You may want to forward Sarbajeet K Sen's suggestions to them.
Anil Rego, CEO, Right Horizons, answers your personal income tax queries.
Don't worry about volatile, erratic cash flows, freelancers. Vishal Dhawan explains how you can invest and achieve your financial goals despite irregular income.
People who are close to retirement and don't intend to go back to full-time work again should deploy a part of their VRS money in equities so that it keeps growing at a faster rate.
Despite strong AUM growth, MFs lag behind other popular investment avenues. MFs received only 6 per cent of total household savings in 2021-2022.
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.
Retaining the GST rate assumes importance since states are under pressure to increase their revenues, hit hard by lockdown. Also, the Centre has not fully compensated states for their revenue losses on account of GST for 2019-20.
'If a company contracts to buy its produce after three or four months, is there any loss in it?'
Don't opt for a SWP when you have a regular cash flow. During such times, opt for a SIP.
'If India has to emerge as the world's laboratory and a global innovation hub, the minds of our youngsters must get an opportunity to flourish.'
The online world is driven by convenience, simplicity and speed.
While Google has market capitalisation of almost $753 billion and Facebook commands one of $515 billion, it is the wealth of user data they have that one fears
