How investors can tweak their fixed income investments to earn more in the current environment.
Amid persistent fear of prosecution and penalty, people across income classes are looking for ways to do away with stacks of higher denomination currency.
'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
Now that the National Pension Scheme offers more choices than the Employees Provident Fund, is more transparent and also allows to choose the level of allocation to equities as investors like, should one switch to the NPS?
Define ownership proportionately at the time of registration to ensure that you don't face problems on taxation front.
The war in Samajwadi Party was far from over on Sunday with a defiant Ram Gopal Yadav declaring Akhilesh Yadav as party president at the national convention in Lucknow which was declared as "unconstitutional" by supremo Mulayam Singh Yadav.
Over the past 25 years the MF industry has come a long way. Geographic reach has increased, many more customers have been added, more channels have been opened up and the product basket is full.
Stressed asset funds could offer higher returns than traditional fixed-income funds, but holding period will be longer due to the risky underlying assets
Short-term loans from NBFCs can be more convenient but come at higher cost
Among other things, taking note of complaints against several Chinese e-commerce players such as Shein, Ali Express etc for sending shipments as 'gifts' to customers in India and avoiding duties, the government has now mandated that all e-commerce sites and apps must have a registered business entity. This will be the importer on record and subject to customs rules, report Subhayan Chakraborty, Neha Alawadhi and Karan Choudhury.
Gullible bank customers are getting fooled by callers who scare or lure them.
If the changes being considered by the EPFO become a reality, investors may have to be more active in deciding equity preference and when to withdraw money, reports Sanjay Kumar Singh
'There's nothing in the 2019 campaign air, the chunavi hawa that tells you it's a wave election, for anyone,' argues Shekhar Gupta.
Gurucharan Singh's Dhawan Creative apparently clocked trades 10 times its capital in a few months.
Can we ask the judges a simple question: You write judgments all the time to protect the judiciary from others. Will you write one on how to save the judiciary from the judges, too, asks Shekhar Gupta.
The PNB fiasco falls into a family line that involves non-fund limits - read contingent liabilities which are off-books. Harshad Mehta did it with bankers' receipts in 1992. Ketan Parekh exploited the ignorance of bankers who did not know the difference between a cheque and a pay-order. And the RBI blinked when it failed to insist the SWIFT platform be linked to the core banking solution. Raghu Mohan & Abhijit Lele trace the banking mess that was just waiting to happen.
Measured by returns in 2013, the top 10 funds had only three from large houses; nimble strategy could be a factor.
As India's online population crosses 450 million, e-commerce ventures are trying to grab a pie of online sales estimated to hit $48 billion by 2020.
The choice clearly is between prompt corrective action and slow but sure destruction, says Tamal Bandyopadhyay.
Ajit Mishra, vice president, Research, Religare Broking, answers readers' queries on stocks they own or want to buy.
'While people complain of the difficulties they are experiencing because of the lack of currency, they remain supportive so far of Mr Modi's initiative.' 'What the country should be concerned about is the prospect of a prime minister who is willing to sacrifice economic gain and risk large-scale job losses in exchange for personal popularity,'
While chits and the formal financial sector are not 'largely substitutable', users like the commitment to savings that these enforce and the flexibility in borrowing, reports N Sundaresha Subramanian from New Delhi.
'Some cases do not get a single hearing for 6 to 8 months, while some have been pending for as long as 8 years.'
To say capital gains from stocks are effortless shows little understanding of the treacherous investing terrain, says Debashis Basu.
You may invest even at current market levels provided you have an investment horizon of five years or more.
The Budget may see new rural schemes and stepping up of funding towards existing programmes like MNREGA, rural housing, irrigation projects and crop insurance.
Nearly four lakh people have been affected across seven districts of Assam.
'Housewives depositing cash up to a limit of Rs 250,000 need not worry.' 'It is understood that in India housewives save money which they get from their husbands for household expenses.' 'The intent of the government is not to question them.'
India borrows ideas that we don't need, like the FRDI Bill, and ignores the ones we need, like rewarding whistleblowers such as the ones who want to save Bombay Mercantile Bank, says Debashis Basu.
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.
'No one institution can cleanse it: Not the courts, government or activists.' 'And least of all the Indian Police Service,' argues Shekhar Gupta.
Restrict investment to Rs 50,000 for tax benefits, experts tell Sanjay Kumar Singh, but caution that taxation at maturity and compulsory annuities are dampers.
'There is no evidence of newspapers and television channels ganging up to wage a coordinated war to expose the BSP, destroy the AIADMK, malign Kejriwal, discredit Lalu or defame Mamata.' 'But it's of interest that none of these exposes threatens the 12 states the BJP controls,' says Sunanda K Datta-Ray.
The new guidelines can act as a deterrent for students who have for years been unfairly reaping the benefits of the 'Ctrl+C, Ctrl+V' method of research.
Ajit Mishra, Vice President, Research, Religare Broking, answers readers's queries on stocks they own or want to buy.
'Having consumed thousands of the sickly sweet chenna globes of varying textures over the years, I must demur,' says Uttaran Das Gupta.
If you leave too much money lying in your trading account or hand over your securities to brokers, there is always the risk that they could use it to trade in the markets.
'Poor home work, and a subsequent loss of nerve.' 'This sums up the Modi government's current travails, the stall in key sectors, fading momentum, irritability,' points out Shekhar Gupta.
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
NBFCs are allowed to include registration, stamp duty
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