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