Page 36 - Sanjay Kumar

Deadline extended to March 31: How to link Aadhaar to financial instruments

The Supreme Court on Friday extended all deadlines of Aadhaar linkages to March 31, 2018

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

Buying a house? Keep an eye on your bank's marginal cost of lending rate

Check if you are on the best possible loan rate and also make part prepayment to counter the rise in interest rate

Sensex at 35,000: Existing investors should take some profit off the table

Book profits, wait for opportunities and, in general, have fun while the going is good

Don't dump your fund in haste even if it underperforms in short-term

Your fund may have underperformed in 2017 because the fund manager was avoiding momentum and overvalued stocks

Use advisor for comprehensive planning

Those who have a simple financial objective or only a small sum to invest may go with a mutual fund distributor

Cheap, effective and unobtrustive: Try nasofilter to beat air pollution

If you have been using a face mask to combat pollution and find it bothersome, try the newly launched nasofilter