Page 32 - Sanjay Kumar

Why an increase in salary is a good time to plug the gaps in your finances

Prepay loans and hike SIP amounts before you think of discretionary expenditures

Be watchful of expense ratio you pay if your fund manager can't outperform

Coughing up a high expense ratio year after year makes no sense if your fund manager is unable to outperform

Why high cash calls could be a double-edged sword for fund managers

The bottom line is whether the fund manager has been able to generate alpha with this strategy

Planning to take a personal loan? Do not over-leverage this festive season

Here is how the personal loan rates offered by various banks stack up

Compare the cost of a BS IV car with that of a BS VI before actually buying

Attractive discounts are available on BS IV variants. BS VI cars, on the other hand, will offer greater solace to the environment-conscious buyer

How and when to invest in SIP variants when the market is facing turbulence

If they are able to deliver out performance in actual market conditions, investors may invest more through them

Planning to take pre-owned car loan? 7 points that you should keep in mind

Here is how the used car loans offered by various banks stack up

Up to 50% of your large-cap allocation can be through passive funds

Increase or reduce allocation to passive funds in future, depending on data on outperformance by active funds

Why borrowers should move to longer-tenure loans to escape debt trap

Those who have loans running should set up a contingency fund

Planning to take home loan? Make sure you are on the best rate available

Many lenders nowadays waive the processing fee on home loan transfers

Should borrowers opt for an RLLR-based home loan over an MCLR-linked one?

A reduction in MCLR is good news for home loan borrowers

Planning to take a personal loan? Strike a balance between EMI and tenure

Avoid personal loans. But if taken out of necessity, get rid of them quickly

India's EV dream: Does buying an electric car today really make sense?

The running cost of electric vehicles is lower, but there is a high upfront capital investment. Lack of charging infrastructure is another impediment

Fixed deposit investors likely to feel the pinch after SBI cuts rates

The SBI has cut deposit rates by 5-75 basis points across tenures. Shorter-tenure deposits have seen a higher quantum of cut than longer deposits

From boss to coach

One suggestion in the book managers would do well to adopt is nurturing a strengths-based culture. It means they should focus on their team members' strengths rather than their weaknesses

Dividend income, partnership firms two ways to reduce income tax liability

Most tax experts and chartered accountants say their high-net-worth clients are rattled

Give priority to safety, do not chase high returns in company FDs

In the current stressed credit environment, give higher priority to safety of capital by sticking to the highest-rated instruments

Financial strategies for freelancers to deal with irregular income flows

Before you begin, set up an emergency corpus and buy adequate life and health cover

Budget 2019: Tax benefit may attract retail investors to government ETFs

If one compares returns, the two public-sector ETFs have done better over the past year, but the ELSS category has done better over the trailing three and five years

Getting a health cover for senior citizens is difficult, but not impossible

Health policies are expensive, and may come with restrictions. But they protect savings from getting wiped out