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Don't be shy of shifting lenders if you see a significant benefit

Old customers should seek best rates, or go for balance transfer

Keep SIPs going in equity funds, stick to long investment horizon

Investors who until now were riding the momentum in the markets should watch out

Home loan rate hike: Beat the rise with balance transfer and prepayment

Shift to a home loan provider offering a lower interest rate; use bonuses, other windfalls to reduce principal outstanding

Why retail investors should diversify their portfolio and limit risky bets

The restrictions that Sebi plans to bring in are meant to curb such leveraged trading

Following ace investors is a good idea, but don't always ape their bets

There is much to learn from their investing philosophies. However, they have much deeper pockets and take many more chances than you can

Foreign-bound for travel or studies? Get set to shell out as rupee falls

With the rupee slipping to nearly Rs70 per dollar on Tuesday, most parents with children in the US will feel the pinch

Auditor certificate must for deposit-taking firms to ensure investor safety

While this move by the Ministry of Corporate Affairs is a positive one, retail investors should run a few more checks of their own before investing in a company's fixed deposit

Rising trade tensions could breathe new life into the yellow metal

With the escalating US-China trade war, rising euro-scepticism in Italy, and possibility of global economic recovery faltering, investors must have an exposure to gold

Keep a close eye on credit quality, financials of NBFCs before investing

These instruments should not constitute more than 15-20% of your debt portfolio

China, Spain are emerging as hotspots for Indian students at US expense

In the US, Trump's policy of 'America for Americans first' is making the environment less welcoming for international students

NPS funds: Restrict investment to Rs 50,000 for tax benefits, say experts

But taxation at maturity and compulsory annuities are dampers

Borrow with margin of safety, EMIs shouldn't exceed 35% of net income

Self-employed borrowers' EMIs should not exceed 35 per cent of their net income and they should also create a contingency fund to deal with income volatility

How to ride out volatility in FY19: Don't tinker much with your portfolio

FY19 might be a tough year, as key asset classes aren't providing much comfort. It's best not to tinker too much with your portfolio because of uncertainty

Citibank launches home loan product linked to an external benchmark

Citibank's new home loan will be benchmarked to the three-month treasury-bill rate

Even after 10 bps cut, EPF is still the best small savings option

At 8.55 per cent interest rate, the EPFO will retain a surplus of Rs 8.5 billion

Raise equity allocation if you have the risk appetite

PFRDA's proposal to raise equity exposure in the active-choice option of NPS will benefit young investors, provided they can stomach higher volatility

Linking base rate to MCLR may not be good enough

Customers should still consider shifting to the best MCLR-linked home loan rate available

Budget 2018: What Standard deduction and tax on dividend mean for you

In this Budget, a 10 per cent tax has been imposed on the dividend paid by equity mutual funds. Earlier, the dividend was tax-free in the hands of the individual investor.

Investing in bitcoins? Exercise caution until regulatory cloud blows over

Limit your investment in cryptocurrencies and make sure to have your current holdings in your own custody

Newbies in small and mid-cap space should invest for at least five years

With fund managers beginning to sound warning signals, it is best to be extra careful