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Dev Ashish

Founder

StableInvestor.com

Renewing your health insurance policy? Increase the coverage amount based on your current needs

BUSINESS

Renewing your health insurance policy? Increase the coverage amount based on your current needs

At the time of renewal, you must assess your insurance needs to see if the health policy still provides sufficient coverage for your changing family and health requirements

Three reasons why annuity in NPS is not such a bad idea

BUSINESS

Three reasons why annuity in NPS is not such a bad idea

Although National Pension Scheme (NPS) mandates annuity for 40 percent of your corpus when you turn 60, it ensures a regular income. And the tax doesn’t hurt that much

Despite government’s U-Turn on small saving interest rates, don’t rush for PPF before April 5

BUSINESS

Despite government’s U-Turn on small saving interest rates, don’t rush for PPF before April 5

Many investors invest entire lumpsum in PPF between April 1-4 because of the way interest is calculated. But a closer look at this strategy reveals it does not make much difference.

Why you could lose income tax deductions if you invest in ELSS funds on March 31

BUSINESS

Why you could lose income tax deductions if you invest in ELSS funds on March 31

SEBI's new rule means that units would be allotted only when the money hits the fund house's account. Any delay could result in loss of tax deductions for this fiscal

Gold prices down 20% from highs: Should you invest now?

BUSINESS

Gold prices down 20% from highs: Should you invest now?

In general, having about 5-15 percent allocation to gold in your long-term investment portfolio is a prudent approach

Why Sensex and Nifty index funds are equally good investments

BUSINESS

Why Sensex and Nifty index funds are equally good investments

There is a large overlap in the portfolio of the two indices. Their returns have been similar over the long term.

Why your mutual fund SIPs must keep pace with your salary hikes

BUSINESS

Why your mutual fund SIPs must keep pace with your salary hikes

Investing the same SIP amount, without increasing it periodically, may not be enough for your goals

Sensex volatile at 50,000: Here's how you should manage your long-term investments

BUSINESS

Sensex volatile at 50,000: Here's how you should manage your long-term investments

Smart investors will never be swayed by recent market returns. A portfolio rebalancing exercise will restore your original asset allocation

What HNIs buying ULIPs for income-tax benefits must do now

BUSINESS

What HNIs buying ULIPs for income-tax benefits must do now

Unit-linked insurance plans are now taxable beyond a threshold. What are the alternatives for HNIs who ploughed in high premiums into ULIPs?

EPF interest in tax net: Where should high-income earners invest for retirement now?

BUSINESS

EPF interest in tax net: Where should high-income earners invest for retirement now?

Employees earning high salaries can opt for a mix of EPF, PPF and NPS to optimize returns

What the common man wants from Budget 2021

BUSINESS

What the common man wants from Budget 2021

It’s time to increase the limit on Section 80C. Currently, this stands at Rs 1.5 lakh a year

How asset allocation must vary for different money goals

BUSINESS

How asset allocation must vary for different money goals

Once you are really clear about the financial goals you wish to pursue, you need to estimate the time horizons for each

Do budgets really matter for your investments?

BUSINESS

Do budgets really matter for your investments?

When it comes to managing your personal finances properly, there is much more to do than just looking to save taxes

Aggressive home loan prepayment can hurt other money goals

BUSINESS

Aggressive home loan prepayment can hurt other money goals

There should be a balance between trying to prepay your loans quickly and other aspects of your financial life

Starting late for your retirement saving? Here’s how you can catch up

BUSINESS

Starting late for your retirement saving? Here’s how you can catch up

Everyone should begin saving for retirement no matter how old they are

Is investing in index funds the best way to take large-cap exposure?

BUSINESS

Is investing in index funds the best way to take large-cap exposure?

Index funds can be chosen for holding a major part of your large-cap exposure. But do keep in mind the concentration risk

Beware of using the ‘100 minus age’ thumb rule for equity allocation

BUSINESS

Beware of using the ‘100 minus age’ thumb rule for equity allocation

One major problem with this rule is that it simply assumes that age alone decides a person’s asset allocation

How your family’s money goals can get hurt if you remain underinsured

BUSINESS

How your family’s money goals can get hurt if you remain underinsured

Many take insurance covers for tiny amounts. Others make the mistake of mixing insurance and investments

Here are 3 options once your PPF account matures after 15 years

BUSINESS

Here are 3 options once your PPF account matures after 15 years

If you do not require the entire PPF account balance in one go, it’s best to extend it

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