Workplaces of 2025 will be defined by a deep focus on people-first values, inclusivity, and sustainable growth, foresees Sonica Aron, founder of Marching Sheep.
Advisors and agents known to you personally can also sell wrong policies.
The right investment at the right age will help you enjoy a secured post retirement life.
Regulator plans minimum death benefit at five times the annual premium.
You can ask for written communication from your HR manager seeking an explanation about your resignation. Please mark the copies to your senior authorities as well as top executives especially if you feel you are being harassed, suggests rediffGURU Pradeep Pramanik.
Combination of term plans and mutual funds will provide the same benefits.
'Non-par plans returns are not market-linked. Hence, they can offer guaranteed returns.'
Use whole life term policies for legacy planning. By doing so, your annual outgo will come down and returns will improve, suggest Chirag Madia and Tinesh Bhasin.
Cost is not the only factor that one should look at. It's best to keep investment and insurance apart
The pre-Budget proposals sent to the finance ministry aim to bring uniformity in tax treatment for investments in different financial sectors, mitigate hardship to retail taxpayers, and encourage participation in mutual funds.
Jimmy Patel, MD & CEO, Quantum Mutual Fund, suggests some valuable financial gifts for your children.
Finance ministry asks Irda to make this and other changes while clearing these products.
'If you are a smoker, you should not provide misleading information to the insurer about your smoking habit in the insurance proposal form,' advises Pankaj Razdan.
Tax planning will help you pay less income tax. Something everyone wants. But smart tax planning will help you boost your portfolio.
Novel and noble as it appears, investor/insurance-seekers rarely understand the cost implications of the marriage between investments and life insurance. To be sure, it is intricate and not everyone is able to unravel it.
As long as the money has been 'paid or deposited in the previous year', an assessee should be eligible for tax relief, says Harsh Roongta.
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.
These simple changes can add a significant thrust to your overall money management over time.
Ramalingam Kalirajan explains the pros and cons of both investment types.
'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.
Confused about what the agents tell you about this investment product? Then you must read this
A rightly chosen ULIP can be a competitive investment, but the investor needs to ensure that his relationship manager has put him ahead of the commissions that the product pays, says Anil Rego, CEO, Right Horizons.
The new service tax of 14% will jack up costs of shopping, travel, insurance premiums and property purchases
Bajaj Finserv has few opportunities and challenges to overcome in 2015.
Individuals often postpone tax planning till the end of the financial year. As the deadline for showing proof of investments draws near, they invest randomly in any product that will help them save tax for that year. Later, they realise that it is not suited for them, so they abandon it. Tax planning should not be a standalone, one-off activity, but should be in sync with your overall financial plan, says Sanjay Kumar Singh.
'Why should we disclose classified information to satisfy those who doubt our Hydrogen Bomb capability?'
Few options that can help you plan taxes wisely.
Finance Minister Nirmala Sitharaman on Wednesday raised the personal income tax rebate limit, doled out sops on small savings and announced one of the biggest hikes in capital spending in the past decade as she did a tight rope walk in the Budget between staying fiscally prudent and meeting public expectations in the year before general elections.
If you must buy a Ulip, the smart move will be to get the one that gives fund value plus sum assured
'We try to pick up stocks early and hold onto them for the long term.' 'We are not someone who buys and sells on a daily basis.'
ULIPs work very similar to a mutual fund with a life cover thrown in
Stick to low-cost ULIPs launched in the past few years. Go with an insurer with a good investment team and solid track record of long-term returns, suggests Sanjay Kumar Singh.
State Bank of India is likely to show a credit growth of about 19 per cent for the current fiscal ending March 2005 on the back of buoyant economy.
Experts expect the trend to continue in the near term.
Here's how you can ensure you have enough in your kitty and be in command of your finances.
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
Anil Rego, CEO, Right Horizons, answers your personal income tax queries.
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'The number of deaths attributable to warming is likely to rise in the future.'
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