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Three top women execs and the challenges they face in their financial lives

Higher life expectancy, inadequate retirement planning and insurance, and risk aversion are some of the key issues they feel Indian women need to address

Adoptive mothers can claim equal maternity benefits, say analysts

Law in India, however, does not provide for paternity leave

Tackle low liquidity in sovereign gold bonds by laddering, say analysts

Gold is up 5.8 per cent over the past month and 8.9 per cent over the past year, with a large part of it coming in February, after escalation of tensions between Russia and Ukraine

Exit small-caps with high valuations and poor basics, say analysts

MF investors must limit allocation to 10% and have five-seven-year horizon

Higher interest rates, limited tenures drive used-car loan EMIs up

Consider top-up home loan and personal loan; they are cheaper and you could get 100% financing

Lesson from note ban and pandemic: Keep a month's expense in cash at home

In addition, have an emergency fund equal to three-six months' expense parked in liquid fund, savings account and sweep-in fixed deposits

New Annual Information Statement allows you to get mistakes rectified

Make sure the information in your income-tax return and in this statement match, or you could get a tax notice

Buying gold jewellery this Dhanteras? Insist on hallmarked products then

Get clarity on making charges for the piece, deduction if you sell it back, and eligibility for gold loan

Driving a hard bargain on car price may be difficult this Diwali

But even in a seller's market, some tricks like selling your car instead of exchanging it, and buying a less popular colour, can help you save money

Overdraft facility against gold cheaper than term loan, say experts

Opt for overdraft facility if you have a recurring need, a term loan if you require a lump sum

Gift a financial instrument and watch its value grow over the years

Keep in mind that gifts of above Rs 50,000 from non-relatives are taxable in the recipient's hands, except during a wedding

Investing in cryptos? Divide holdings between hot and cold wallets

Keep the cryptos required for trading in the former and the balance in the latter

Common mistakes to avoid when passing wealth onto the next generation

Devolution of property would be governed under the Hindu Succession Act, the Indian Succession Act, or the respective personal laws for Muslims in case there's no Will

Choose a fuel co-branded card that offers wide coverage, great rewards

Since these cards have high interest charges, avoid using them when you wish to revolve credit

Buy digital gold for as low as Rs 100 this festival season: Details here

But those seeking greater safety should stick to SGBs or gold ETFs

Covid insurance makes sense if you have a comprehensive policy: Experts

Especially if sum insured is small, at say Rs 5-7 lakh for the family

How to safeguard yourself from financial frauds, online and offline

Cyber Crime: There's very little you can do at your end, apart from being more vigilant. But certain things that you should do can make a lot of difference

Amid rise in cybercrimes, a cyber risk insurance can cut your losses

But also buy a comprehensive antivirus software

Raise refund reissue claim if tax rebate is delayed, say experts

Do this only if there are no remarks or reasons given by I-T division for withholding it

Things to keep in mind while filing your income tax return this year

Ensure you file your returns ahead of time, in case you need to make changes