Regular money talks, setting up joint goals, and regular reviews can help couples stay aligned.
Regular money talks, setting up joint goals, and regular reviews can help couples stay aligned.
'Allocating 5 to 10 per cent of one's portfolio and staying disciplined through market cycles helps in having a positive investment experience.'
Zero-coupon bonds suit investors with long-term goals such as retirement or education planning.
The ultra-rich invest differently -- embracing growth, compounding, and long-term clarity to build wealth with purpose and discipline, explains Ramalingam Kalirajan.
'Such stocks may be useful for aggressive portfolios, but should not be part of the core holdings.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Indian security agencies have continued efforts to reinforce the Siliguri Corridor through improved infrastructure, faster mobilisation capability and diversified connectivity routes to the north east.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Investing is not just about setting aside money -- it's about making it work for you, says Ramalingam Kalirajan.
The 'rescue' operation occurred within kilometres of Iran's underground tunnel complex at Isfahan, assessed by the IAEA and US intelligence as holding a substantial portion of the country's 60 per cent enriched uranium stockpile. Retired senior US military officers have highlighted that the mission's footprint -- hundreds of special operators, multiple heavy-lift aircraft deep inside Iran -- appears outsized for recovering a single airman. Prem Panicker continues his must read blog on the Iran War.
Why try to time the market when time in the market works better? History shows that patient investors who stay the course often walk away with the real rewards, says Ramalingam Kalirajan.
The fear of losing purchasing power due to inflation and low-interest rates has led many to explore safe alternatives to fixed deposits with high returns
The RBI has flagged concerns over rising volatility in gold prices and advised lenders to exercise caution in the gold loan segment.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Understanding severance pay isn't just for those who are losing their jobs
From Rs 73k to over Rs 1.2L between January-December 2025 -- is buying gold in 2026 still sensible?
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
: Build lasting wealth via disciplined, long-term mutual fund investing in India's compounding marathon, Shanaihi, Shanaihi, says Ramalingam Kalirajan
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
EMI means you've already spent tomorrow's income; SIP means you're investing today's income to secure tomorrow, explains Ramalingam Kalirajan
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Mutual funds are a powerful tool for building wealth, but do they work overnight? Successful investing requires discipline, patience, and a long-term vision, avers Ramalingam Kalirajan.
Investors who constantly hop between 'top-performing' funds often end up earning far lower returns than the very funds they invest in -- simply because they enter late and exit early. Best investors don't chase returns, they chase discipline, says Ramalingam Kalirajan.
You don't need a six-figure salary to build wealth -- you need discipline and a smart plan, says Ramalingam Kalirajan. and shows you how
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
People with modest incomes can also build a crore-worthy portfolio by investing small amounts consistently, says Ramalingam Kalirajan, and shows how the magic of compounding works.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Algo trading should be segregated in a separate account with only risk capital deployed.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
Tough times don't last, but tough people -- and smart financial strategies - do, says Ramalingam Kalirajan
Investors having a moderate-risk profile can use these funds in their retirement portfolios.
For decades, the Siliguri Corridor was treated as a geographical vulnerability to be quietly managed. Today, it has emerged as a focal point of eastern geopolitics.
The answer depends on your financial goals and risk appetite, says Certified Financial Planner Ramalingam Kalirajan, and explains why.
Wouldn't it be better to reach 45 with a backup engine of passive income that helps you glide through these years instead of grinding, asks Ramalingam Kalirajan
Your choice between the Old and New Tax Regimes should reflect your financial strategy and investment goals, says Ramalingam Kalirajan
Here's a formula that helps you understand how much money you will need to retire early in India and simple steps to achieve it.
