Priyadarshini Maji evaluates the impact that payment banks are likely to have on your financial life.
Given its focus on the real estate sector, financial planners feel this scheme is not meant for first-time investors and any investor should only have 5 to 10 per cent exposure to this fund.
If you contract a disease a few years after buying a health cover, disclosure isn't mandatory. But if you want to increase the sum assured, premiums could go up.
The Budget has changed the rules for Indian citizens and persons of Indian origin visiting India. Instead of 182 days, the number of days has been reduced to 120. You will be treated as a resident of India for tax purposes if you stay in the country for more than 120 days in a financial year and 365 days in the past four years. One consequence of the change will be that people of Indian origin who reside outside India will be able to spend a smaller number of days in the country if they wish to keep their non-resident status intact, points out Sanjay Kumar Singh.
Mudar Patherya lists companies whose shares can bring on Xmas cheer for investors.
Investors need to evaluate the offerings of a broker in totality before selecting one.
Investors can earn risk-free income of 6% to 8% annually by lending stocks.
New borrowers should go for banks over housing finance companies as the new benchmark -- MCLR -- is more transparent.
A robo advisor may seem like the perfect solution for those with only a small investment capital who are just starting their investment journey, says Mrin Agarwal, founder, Finsafe India.
Investors should look at actively managed funds, says Devangshu Datta.
Today pay-later services are available for practically anything under the sun. And these include small purchases like clothes, gadgets, movie tickets, and even food.
The amount for which free check-up is offered can be quite low, while in some policies it comes only after a considerable waiting period.
Use fixed maturity plans to tide interest rate volatility if you're okay with lock-in because longer duration. FMPs can give up to annualised 7.7 per cent returns.
Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor, suggests Sanjay Kumar Singh.
'The probability of another negative year in 2019 is low.'
Apart from SIPS and STPS, value- averaging can help investors make more money, says Devangshu Datta.
Merely stating that parking was 'at owner's risk' would not absolve the hotel of its liability.
2017 saw the highest-ever mobilisation by way of IPOs of close to Rs 700 billion. The momentum is expected to continue this year as well.
Here's why consumers are shifting to large brands.
With equity and commodity exchanges allowed to enter each other's areas from October, brokerages are pump-priming their businesses to allow their clients seamless trading in commodities and equities.
For investors, every cost-saving means higher returns.
Investors may increase exposure to mid and small-cap stocks as their risk-reward profile is more attractive currently, suggest Nitin Singh and Vinay Joseph.
'Many of the challenges of investing in commercial real estate get taken care of when an investor takes the Reit route,' points out Suraj Nangia.
Limit your investment in cryptocurrencies and make sure you have current holdings in your own custody until regulatory cloud blows over, experts tell Sanjay Kumar Singh.
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
Mahavir Chopra tells you what to check before you choose a diabetes insurance plan.
Did you know that your home insurance covers valuables in bank locker?
Though most experts remain bullish on the banking space, they suggest investors buy only those banks whose NPAs are at a manageable level of 3% to 4% and there is credit growth or earnings visibility.
Before buying property, please carefully study the agreement with the builder, advises Sanjay Kumar Singh.
If the property is inherited from one generation to another, the person who inherits it cannot pass it on as s/he wishes, points out Rajesh Narain Gupta, managing partner, SNG & Partners.
'How is the scheme running despite running such massive deficits?' 'This is because the number of new members are much more than earlier members who are drawing pension.' 'If this was done by a private organisation, it would have been called a Ponzi scheme in which the contribution by new members is being used to pay off old members,' says Harsh Roongta.
Educate yourself about your car insurance policy's terms and conditions before buying or renewing it, suggests Animesh Das, head of product strategy, ACKO General Insurance.
Use of the incorrect form will result in your return being treated as defective, points out Suresh Surana, founder, RSM India.
Give them up post haste and make a rocking beginning to the New Year.
It is easy to invest in exotic products but difficult to exit them. Think carefully before investing rather than being blown away by expected returns alone, suggests Mrin Agarwal, founder, Finsafe India.
K G Krishnamoorthy Rao, managing director and CEO, Future Generali India Insurance, answers insurance queries.
Don't invest more than 5 per cent of your portfolio in bitcoin. The virtual currency's price has run up very fast and experts feel a correction may be around the corner.
While a wallet is convenient, payments bank offers interest on deposits and ATM facility.
Investors not stop their SIPs or STPs due to election-related uncertainty.
Don't share information over phone with anyone. Use only official apps. Keep Aadhaar locked unless needed.
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