Equity funds are risky but debt funds are safe. Isn’t that what most of us think? That is clearly not the case. Debt funds carry risk too, something that is ignored by many investors. Many argue … [Read More...] about Don’t ignore the Risk in Debt Mutual Funds
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Avoid bad financial decisions is as important as making good ones. But what influences you to make such good or bad financial decisions? Your decisions are a reflection of your financial habits i.e. … [Read More...] about 5 Financial Habits that can ruin your Financial Life
Many of us rely on interest income for our regular cash flows. A few can’t look beyond such investments. However, are you aware how your interest income is taxed? Taxation of Interest Income for … [Read More...] about How is Interest Income from your Investments taxed?
Affordable housing is one of the major focus areas of the present Government. Pradhan Mantri Awas Yojana (PMAY) was launched in 2015 to promote affordable housing. Under PMAY, the Government launched … [Read More...] about How Interest Subsidy is calculated under Credit Linked Subsidy Scheme in PMAY?
I came across a Whatsapp message recently that a prominent balanced fund was offering dividend of 1% per month. And those seeking monthly income could consider these funds. In January 2016, HDFC AMC … [Read More...] about Do not rely on Dividend from Equity or Balanced funds for regular income
Banks have been in news recently for introducing charges for almost everything. There are charges to cash withdrawals from branches, charges for withdrawing from other ATMs and even charges for … [Read More...] about How Banks fleece Senior Citizens?
Every profession requires you to have persuasive skills. You have to persuade your boss to grant you a leave. You have to persuade our team member to agree to your line of thinking. Your boss has to … [Read More...] about A Visit to the Park or Snakes & Ladders?
I had a discussion with a friend a couple of weeks back about investment in PPF account. We discussed how investment in PPF account was capped at Rs 1.5 lacs per account. If you are married, you … [Read More...] about How You and Your spouse can invest more than Rs 1.5 lacs in PPF accounts?
PPF interest rate has been cut from 8% p.a. to 7.9% p.a. for the April-June quarter. This is the first time PPF interest rate has fallen below 8% p.a. By the way, PPF is NOT the only investment … [Read More...] about PPF rates cut again and the Equity brigade will rejoice
While everyone complains of tricks played by insurance companies or its agent during the sale of life and health insurance plans, we do not hear (or at least I haven’t heard) about similar things … [Read More...] about You Do NOT have to rush to renew your car insurance by March 31