Page 10 - Sanjay Kumar

Begin tax planning at start of financial year to avoid cash crunch later

Consider both income level and deductions you can avail of when choosing between old and new tax regime

RBI rate pause: Lock into best available FD rates, and ladder your bets

Debt MFs investing in quality papers and having average maturity of three-five years are good bets

Gold, debt funds, insurance: What to do with your investments in FY24

With the spreads on home loans coming down, those who have a good credit score should consider refinancing

Allocate to US-focused funds despite shifting tax landscape: Experts

Capitalise on the geographical diversification and currency hedge they offer

Home truths: High loan rates and job losses threaten price growth

But if rate cuts begin and layoffs are limited, the housing market could repeat FY23 showing next fiscal

Persist with your SIPs to accumulate fund units at reduced costs

Pain in equities is expected to continue in the short-term, but investors with longer horizon must stay the course

Why debt funds may still score over bank FDs and bonds despite tax parity

Experts feel debt MFs will be more relevant in a falling interest scenario and work well for those who aren't sure about their investment horizon

Keep your money safe: Stick to systemically important banks for safety

Be wary of co-operative banks which have historically been most vulnerable

As courts get strict on contract reading, customers must be wary

Consumer courts offer a simple and cost-effective avenue for addressing these issues

To cover mental illness, buy health insurance policy offering OPD coverage

Industry regulator nudging companies to underwrite policies that include people with mental illnesses

Abating pricing pressure in US market good news for pharma funds

While the risk from USFDA strictures remains, aggressive investors may take limited bets with 5-7-year horizon

How wholelife plans can help transfer tax-free wealth to next generation

The policies provide cover till age 90-100 years; if payout comes as death benefit, it will be tax-free in the hands of nominees

Personal finance 101 from an industry veteran

The Bee, the Beetle and the Money Bug is a welcome addition to the rather sparse list of books that attempt to equip readers with the fundamentals of financial planning

Pension will be higher under EPS but will come at a cost: Should you opt?

Be prepared to claw back from EPF to EPS if you go for joint option scheme

Only investors with a long horizon should enter mid- and small-cap segment

After the outperformance of the past three years, they should be prepared for modest returns in the near term

Explainer: Are you eligible to opt for a higher pension from EPS?

What happened in the 2014 amendment? What did the Supreme Court say in its judgement? And above all, are you eligible for the scheme? This explainer tries to answer all these queries

Explainer: New EPS rules and why higher pension will come at a cost

Employees need to weigh the pros and cons before opting for a higher pension; EPFO also needs to clarify how the higher contribution to EPS will be funded

Invest bulk of debt portfolio in funds that have 2-5-year average maturity

Avoid exiting from the category as most of the pain caused by rate hikes is behind us

Realty check for luxury housing after crucial change in tax structure

Deduction can be availed of under Section 54 and Section 54F in the same assessment year, thereby enhancing total limit, say tax experts

Prepay at least 5% of your home loan each year to tackle rising rates

With rates cuts unlikely anytime soon, debt mutual fund investors should avoid duration calls