Investing in start-ups can be highly rewarding, but direct investing is not meant for everyone. For the majority of wealthy investors, taking the private-equity route could still be the better option.
Will the Financial Resolution and Deposit Insurance Bill endanger our bank deposits?
By evaluating their loan rate against the best available every year, borrowers can achieve considerable savings over the entire tenor, suggests Sanjay Kumar Singh.
This feat was achieved 25 years after the mutual funds industry was opened to private players. The industry now aims to achieve the next Rs 25 trillion in 5 years.
You can get a lumpsum sanctioned, but you may draw only part of it and pay interest on the amount used.
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.
Jimmy Patel, MD & CEO, Quantum Mutual Fund, suggests some valuable financial gifts for your children.
The 'Indian story' will be badly damaged if the Modi government is not re-elected, argues investment banker Christopher Wood.
There is little sense in trying to find stocks that will not be vulnerable in a situation where 87% of the market is trending down and India is getting set for a crucial election, says Devangshu Datta.
'The business of investing is essentially about competent doubt management: If the market knocks off 3,000 points, the doubt will be whether it will ever rebound (making it one man's doubt against another man's conviction),' says Mudar Pathreya.
SBI has twice hiked interest rates on fixed deposits within a month, but an investor still gets better returns at the post office.
Treatment of duodenal ulcer perforation was covered under the policy. The insurance claim ought to have been paid, yet it was rejected.
The tax filing season is here, and mutual funds have launched tax-saving products.
If you are in credit opportunity funds, income funds or dynamic bond funds for a long-term goal, stay put.
The loss to policyholders due to massive mis-selling of insurance policies by trusted private sector and public sector banks will be well in excess of Rs 2 trillion, warns Harsh Roongta.
Cryptocurrency exchanges face issues with their current bank accounts.
A number of insurers offer health policies designed especially for senior citizens.
NSC scores high on all three parameters that conservative investors are seeking -- safety, tax-adjusted returns and liquidity.
Secured credit cards offer benefits similar to regular credit cards and hence an applicant should try and get a card with lower fees and more features, suggests Sarbajeet K Sen.
Investors across age groups and risk appetite can invest in these schemes.
'A score of 750 and above is considered to be good, though these cut-offs can vary depending on the type of loan being sanctioned,' points out Arun Ramamurthy.
Investors should allocate 10 to 15 per cent in their portfolios to gold through sovereign gold bonds.
Capital gains exemption benefits are available under Section 54 and 54F of the Income Tax Act. Individuals, however, need to be aware of the conditions attached to these provisions, suggests Archit Gupta, founder and CEO, ClearTax.
If the rupee falls further, it would negatively impact the dollar-based returns of foreign investors, and could influence foreign flows into India.
Sebi has allowed mutual fund schemes the option of 'side-pocketing' which move will help both fund houses and investors.
'To save the LTCG, it's always better that the owner of the property that was sold also becomes the title holder in the new one.'
'Historically, the lead-up to a general election tends to be excessively volatile and big losses are perfectly possible.'
'Children should include their parents in the group health insurance cover provided by the employer at the earliest.' 'However, the elderly should not depend on it alone and should also buy a personal health cover,' suggests Sanjay Kumar Singh.
'This is the first time we will see how SIP investors react to market correction.'
Street may be ignoring TCS headwinds as the stock's peak valuation doesn't seem justified by BFSI weakness, likely higher US tax rates and stronger rupee, reports Ram Prasad Sahu.
Parts of electric cars are costlier and repairing often means replacing an entire system, which drives insurance premium rates up.
Despite uncertain times and market volatility ahead, investors should continue with their disciplined investing via SIPs.
Do you save more money if you use bank portals for online shopping?
Customers need to weigh whether they will be better off selling their mutual fund holdings or taking a loan against it.
Importantly, is there hope going forward?
If you are planning for a long-term goal like your child's education in a foreign university, invest about 20% of your portfolio in foreign assets that can provide a hedge against the rupee's depreciation.
'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.
It makes sense to shift to a home loan provider offering a lower interest rate or make occasional prepayments by using bonuses or other windfalls, says Sanjay Kumar Singh.
The most consistent wealth creators since 2008 are all consumer-facing companies, says Devangshu Datta.
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