rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) will answer your personal finance-related questions.
But the atmosphere is now conducive for the Mahayuti to continue in power in Maharashtra thanks to the government's people-centric schemes, while the opposition Maha Vikas Aghadi (MVA) is giving promises that it cannot execute, he said.
If the interest rate on bank deposits is linked to any external benchmark, it would jeopardise the banks' fund-raising ability. Interest rates on small savings schemes are likely to be reduced very shortly, to maintain parity. All these steps would indeed affect retired people, and particularly those dependent on interest income, says Arindam Gupta.
Even an investor with an appetite for risk can consider investing in fixed deposits to hold a complete and well-diversified portfolio across asset classes.
Start with your strongest subject. This will give you an edge. Don't risk negative marking with blind guesses, advises rediffGURU Nayagam PP.
As per the EPFO income projections, retaining 8.8 per cent rate of interest for the current fiscal would have left a deficit of Rs 383 crore. Hence, it was lowered to 8.65 per cent
rediffGURU Ulhas Joshi recommends five factors you need to look at to evaluate the performance of two schemes.
The government has decided to lower interest rates on its general provident fund and special deposit schemes by 100 basis points
The government has decided to lower interest rates on its general provident fund and special deposit schemes by 100 basis points
'Reduce your equity allocation, put that allocation into gold and fixed income.'
Ulhas Joshi, Head -- Sales, Rank MF, a mutual fund investment platform, answers your queries.
'Stay disciplined, and remain invested.' 'Volatile times are the best to invest in structural opportunities at the right price.'
'I am optimistic about the Budget because of the fiscal discipline the government has committed to.'
rediffGURU Ulhas Joshi answers your mutual fund queries.
Why has the shift from ICE to electric slowed down despite initial enthusiasm?
'The BJP lacks a credible mass leader who matches Mamata Banerjee's popularity.' 'Given the division of votes among Opposition parties, the West Bengal government's dole-giving strategy, and the consolidation of the poor, significant sections of scheduled caste groups and Muslim minorities behind the ruling party, it will be difficult to dislodge the Trinamool from power.'
Ramalingam Kalirajan explains the pros and cons of both investment types.
Retirement fund body EPFO on Thursday lowered the interest rate on Provident Fund deposits to 8.5 per cent for the current financial year, Labour Minister Santosh Gangwar said on Thursday.
At the customary post-Budget media interactions, Finance Minister Nirmala Sitharaman and her topmost bureaucrats touched upon a number of issues. The minister said the government taxing income from digital virtual assets did not give them legitimacy and that issue was being dealt separately in the planned cryptocurrency Bill. She also expressed confidence that the Budget targets were achievable.
PPF is a long-term, government-backed small savings scheme of the Central government started with the objective of providing old age income security to the workers in the unorganised sector and self-employed individuals.
Do you have financial planning or income tax queries? Ask rediffGURU Anil Rego.
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
In an era of falling interest rates, major trade unions on Friday pitched for restoring 12 per cent return on small savings schemes
The government does not plan to change interest rates and is concerned about falling rates for pensioners, the country's senior-most financial bureaucrat said on Wednesday.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
After making a larger-than-expected cut of 50 basis points on September 29, Rajan urged the federal government to do its bit to accelerate growth through structural reforms.
The number of cyberfraud cases has skyrocketed from 2,677 in 1999-2000 to 29,082 in FY24 -- more than a 10-fold increase. The RBI pegs digital payment frauds at Rs 1,457 crore in FY24, up more than five times in a year. It's not just the number of frauds. What's alarming is the growing sophistication of the fraudsters, exposing the vulnerabilities within the financial system, observes Tamal Bandyopadhyay.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'The problem is that the bubble may not only be in valuations, but also in investors' minds.'
'To be able to sail through such volatilities, it is prudent to focus on quality.'
Where does one park one's money in current times? In stocks? In bonds? Small Savings Schemes?
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'Consider 40% to 50% in equities, 10% in gold as a hedge, and the remaining 30% to 40% split between multi-asset funds and hybrid funds.'
If you already hold significant amounts of equity in your portfolio, avoid MAAFs with over 60 per cent equity. But if you lack equity exposure, an aggressive MAAF may be appropriate.
Ponzi schemes have characteristics that the informed investor can spot easily.
rediffGURU Hemant Bokil answers your personal finance queries
'In the case of corporate credit, especially to AAA borrowers, lenders will have to take a fresh look at pricing.'
Wing Commander Raveendran and flight steward Sargeant Iyer, though shaken and injured, managed to open the rear door of the aircraft and shouted for Prime Minister Morarji Desai and the passengers in the forward cabin to exit in haste since they suspected that fire would engulf the aircraft.
The BJP may win more seats in the February 5 assembly election, but not enough to trump AAP, notes Ramesh Menon.
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