Will the EPFO be required to deduct tax at source or will the employee have to calculate the tax and pay it separately?
Unless you are very knowledgeable, seek expert advice before making such a high-ticket investment, cautions Sarbajeet K Sen.
A car that gives you a better resale value will reduce the cost of your next purchase, points out Bindisha Sarang.
Before you invest, check the fund manager's track record in managing such a strategy, asserts Sarbajeet K Sen.
The laggards include FMCG (16 per cent), Energy (37 per cent) and Media (34 per cent).
Investors should take limited exposure in credit risk funds.
If your total EMI payments exceed 35-40 per cent of your monthly income, use these strategies to avoid a Squid Game like debt trap, suggests Bindisha Sarang.
HNI investors need an optimal mix of oversubscription and listing-day gain to make money on leveraged bets, notes Sanjay Kumar Singh.
Select the exact category by matching your investment horizon to the portfolio duration, suggests Sanjay Kumar Singh.
Many salaried taxpayers hold the misconception that they don't need to disclose any other income since TDS is deducted from their salary.
If bank and service provider are not compliant, pay manually, or give standing instruction linked to bank a/c, suggests Bindisha Sarang.
Ensure that you get a high sum insured. Also, make sure the policy covers the cost of implants (pacemaker, stent, etc), and pre and post-hospitalisation expenses.
A balance transfer to another lender entails substantial cost and time.
While the likely intensity of the third wave is still a matter of debate, wisdom lies in being financially prepared for it, advises Bindisha Sarang.
Slide in the rupee, surging oil prices, and rising bond yields have triggered the latest fall in the market.
Postpone the purchase of big-ticket consumer durable items, recreational spending on holidays, and other such expenses unless your financial position is very secure, advises Sarbajeet K Sen.
Do you have parents who have turned 60? You may want to forward Sarbajeet K Sen's suggestions to them.
The new AIS is expected to make the taxpayer's task of filing ITR easier and faster, points out Bindisha Sarang.
Exposure to these funds should not exceed 10% to 15% of the equity portfolio and the investment horizon should be at least seven years.
To overcome your fear of the property being taken over, draw an ironclad agreement with a good lawyer's help, recommends Sanjay Kumar Singh.
MMFs are a good option for the current environment, observes Sarbajeet K Sen.
The life insurance kind of 'statutory nomination', which confers final ownership on the nominee, is the need of the hour for all assets, suggests Harsh Roongta.
Quant funds have a very short track record, and have underperformed so far, reveals Sarbajeet K Sen.
Be mindful that each instrument is governed by a different set of gifting rules and is also taxed differently.
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
Most taxpayers will benefit from being in the old tax regime, assuming they optimise their salary for tax benefits and claim the deductions available to them.
A discussion on death or serious illness seems to be taboo in Indian families. Not having this discussion borders on being irresponsible towards your loved ones, asserts Harsh Roongta.
Those who have crossed 50 must show the greatest urgency. They need to achieve a corpus that can sustain them and their spouses for at least 25-30 years after retirement.
'Avoid going overweight on gold. But maintain a 10 per cent allocation via sovereign gold bonds,' Bajaj Capital MD Sanjiv Bajaj tells Sarbajeet K Sen.
If a retail investor wants exposure to a healthcare ETF, it should be a part of his satellite portfolio, suggests Sanjay Kumar Singh.
Among individual fund houses, SBI MF was the biggest gainer in absolute terms; its AAUM rose Rs 66,090 crore, compared to its asset base in the corresponding period of FY18, reports Jash Kriplani.
While it is okay to hunt for banks that offer higher rates, the safety aspect is equally important.
Those who have an insurance policy need to check its clauses to determine if it covers home care treatment, advises Bindisha Sarang.
'You should always maintain an allocation to gold as it has the ability to counterbalance any correction in the equity market.'
Make sure you read the policy wording. Some policies cover pre-existing diseases while others don't. Many need a minimum 24-hour hospitalisation, advises Bindisha Sarang.
'Investors should put their money in stocks where the margin of safety is high.'
Under Section 80D, you can avail of deduction on payment made towards preventive health check-ups.
While the amount collected is a tad lower than last two years, it may surpass the previous two years' collections by the end of the year.
'Gold could benefit from the resulting risk aversion, as happened last year.'
Investing in unlisted shares is not difficult. At any given point, many investors and employees are willing to sell their holdings because they need money. Buyers can negotiate a price with them, suggests Sarbajeet K Sen.
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