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Pension Plans and Mutual Funds: The Best Options for a Post-Retirement Plan

Pension Plans and Mutual Funds: The Best Options for a Post-Retirement Plan Planning for a financially secure retirement is one of the most critical aspects of life. With increasing life expectancy and rising healthcare costs, creating a robust post-retirement plan…

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How Long Can We Invest In Index Funds?

How Long Can We Invest in Index Funds? Index funds are a popular investment vehicle designed to replicate the performance of a market index, such as the Nifty 50 or Sensex. They offer investors a diversified, low-cost, and relatively stable…

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7 Types of Systematic Investment Plan (SIP) – Which One to Choose?

7 Types of Systematic Investment Plan (SIP) – Which One to Choose? Systematic Investment Plans (SIPs) have become a popular choice for investors looking to build wealth over time through mutual funds. SIPs allow individuals to invest a fixed amount…

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Active vs Passive Mutual Funds: Which is Best for You?

Active vs Passive Mutual Funds: Which is Best for You? Mutual funds are a popular investment option that helps individuals grow their wealth over time. When choosing mutual funds, investors often come across two primary categories—active mutual funds and passive…

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All Things to Know About Follow-on Public Offering (FPO)

All Things to Know About Follow-on Public Offering (FPO) A Follow-on Public Offering (FPO) is an essential fundraising tool for companies that are already listed on the stock exchange. It allows such companies to raise additional capital by issuing new…

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Fixed Deposits vs. Debt Mutual Funds: The Legacy of Top Investments in India

Fixed Deposits vs. Debt Mutual Funds: The Legacy of Top Investments in India In India, Fixed Deposits (FDs) and Debt Mutual Funds have consistently remained popular investment choices. While both cater to risk-averse investors, they serve distinct purposes and come…

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  • 8th CPC: What is the role of pay commissions in calculation of Dearness Allowance?

    8th central pay commission: The government appointed panel determines Dearness Allowance hike, fitment factor and other allowances for central govt employees. Here's what role it plays in the decision process…

  • Bank deposit risk explained: What happens to your money if a lender fails to return it?

    Bank deposits are generally safe, but in case of bank failure, only ₹5 lakh per depositor is insured under the DICGC. This coverage applies to all accounts in a bank, with specific exclusions for certain deposits. Details here. 

  • Tax-saving FDs vs regular FDs: Interest rates, lock-in and tax benefits compared

    Fixed deposits (FDs) are favored for stable returns, with banks in India offering rates up to 7%. Tax-saving FDs provide deductions under Section 80C but have a 5-year lock-in. Interest rates vary, with senior citizens receiving higher rates.

  • Sovereign Gold Bonds: RBI announces redemption price for 2018 series payable on 4 May; here's how much you gain

    The RBI has set the final redemption price for its Sovereign Gold Bond 2018-19 Series-I at ₹14,901 per unit, payable on 4 May 2026. Investors could see gains of nearly 386% from the issue price of ₹3,114 per unit.

  • Income tax: How much cash can you deposit to prepay home loan principal without attracting I-T notice?

    Income tax rules discourage cash transactions, limiting annual deposits to ₹10 lakh. Experts recommend using savings accounts for cash deposits

  • How to claim stuck NPS funds with interest? Step-by-step guide for subscribers

    Unclaimed National Pension System contributions can be retrieved through a mechanism specified by the Pension Fund Regulatory and Development Authority. Full details here.

  • Family floater vs separate policy: What’s best health insurance policy for your elderly parents?

    Family floater health insurance premiums are primarily calculated based on the age of the eldest member covered. Other key factors are - sum insured, medical history of family members, and family size 

  • PPF maturity rules: What investors should do when their account matures?

    As PPF accounts reach maturity, holders must choose to withdraw the total amount, extend for five years, or continue without extra deposits. Here's what each option offers.

  • Estate planning: How is father’s property divided among sons and daughters? Can a sister claim her brother’s property?

    A married woman's share in ancestral property is influenced by laws, family dynamics, and social norms. Key laws - the Indian Succession Act and Hindu Succession Act emphasise equal rights for daughters and sons in inheritance matters.

  • Why has my ₹90 lakh home loan's principal reduced by only ₹6 lakh despite paying 60 EMIs? I asked ChatGPT

    I asked ChatGPT why the principal of my ₹90 lakh home loan hasn't decreased much despite paying off ₹45 lakh via 60 EMIs. Here is what AI said.

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