Understanding the most common mistakes during market downturns can help you protect your investments and stay focused on your long-term financial goals, says Ramalingam Kalirajan
If you do not insulate your retirement corpus from the true cost of modern critical care, you don't have a retirement plan -- you have a fragile strategy waiting for an expensive medical emergency to break it
Under bullet repayment, the principal remains outstanding and unpaid interest raises the liability over time. This makes the LTV ratio more vulnerable to a sharp fall in gold prices.
Disciplined investors who ignore short-term fear build significant long-term wealth, notes Ramalingam Kalirajan
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
An employee whose financial future is 60-80 per cent dependent on a single company's growth trajectory has no genuine safety net.
The most financially successful borrowers will not necessarily be those who have the easiest access to credit. They will be the ones who understand how to manage it wisely
Long-duration bonds allow investors to match investment tenure with long-term liabilities and also stabilise their long-duration portfolios.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Behind the aesthetics of an entrepreneurial lifestyle lies a silent financial crisis that nobody is talking about: Freelancers are sprinting toward a retirement brick wall.
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
A simple SIP-first approach can help reduce debt, avoid EMIs and build lasting financial freedom through disciplined spending, advises Ramalingam Kalirajan
Investors now have 27 passive smallcap funds to choose from 17 index funds and 10 ETFs.
Indian wedding bookings to Sri Lanka are projected to grow 20-25 per cent annually over the next few years.
Too many EMIs draining your salary? Ramalingam Kalirajan explains the safe borrowing limit that protects your income from a dangerous debt trap.
In modern investing, transparency is more valuable than zero fees and not all investing app score big on this front, says Ramalingam Kalirajan.
Rising income feels like success but unchecked lifestyle inflation traps urban professionals into financing a more expensive version of living paycheck-to-paycheck -- buying material upgrades instead of true future financial freedom.
A sensational New York Times report alleging that Israel's Mossad secretly groomed former Iranian president Mahmoud Ahmadinejad to lead a post-Islamic Republic Iran is being scrutinised for its strategic timing amidst Iran's sensitive post-Khamenei transition.
If you have ever said 'I'll sort retirement later,' now is when 'later' begins.
In the rush to complete tax-saving investments at the end of the financial year, many taxpayers choose instruments that do not match their long-term financial goals.
Start SIPs early, increase investments steadily, and let compounding beat inflation to secure retirement wealth, says Ramalingam Kalirajan
Of course, NOT! Here's why. And here's how you can increase your Rs 1 crore retirement corpus.
LAMF allows investors to access liquidity while staying invested.
Your children may always love you but should you expect them to to finance your retirement in today's economy?
'Healthcare costs in India rise by 10 to 14% annually, causing treatment costs to double roughly every 5-7 years.'
The best time to buy health insurance is when you don't think you need it.
Households should moderate large discretionary expenses for the time being.
'They should prioritise essential spending. They should maintain an emergency fund covering 6 to 12 months of expenses.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
The Union Housing and Urban Affairs Minister's announcement of four 'Namo Cities' aims to decentralise development and decongest Delhi, but experts warn that the initiative may face execution challenges similar to previous urbanisation plans due to inadequate coordination among NCR states.
History is rarely decided by who has the biggest weapons, but by who has the better process. The same rule applies to investing, says Ramalingam Kalirajan.
With duties at 15%, GST at 3%, and making charges running as high as 20% -- the gap between a smart purchase and a careless one can easily be Rs 30,000 to Rs 50,000 on every Rs 1 lakh invested. And most of that gap is entirely avoidable. Ramalingam Kalirajan explains the math.
A systematic withdrawal plan doesn't drain wealth, poor planning does. Ramalingam Kalirajan explains the truth behind systematic withdrawal plans
Retiring at 50 is not unrealistic. It simply requires: Discipline + Long-Term Vision + Compounding
With Income Tax Act 2025 in force, your tax choice can quietly cost you big money if you're not paying attention. Ramalingam Kalirajan explains how
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.
From a modest salary to Rs 1 crore, here's Ramalingam Kalirajan's smart compounding blueprint for young earners
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Sometimes, the most powerful Budgets whisper and the wisest investors listen, notes Ramalingam Kalirajan.
Those who have long retirement horizons of 15 to 20 years and seek higher long-term returns may opt for MSF. Investors nearing retirement (under 10 years) or those with low risk tolerance should stay away.
