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How partial withdrawal from EPF, NPS during financial emergency can hurt

Stringent rules have been put to ensure that this practice is discouraged

Ensure you have taken these steps before March-end for tax benefits

If you have some laggards in your portfolio, then this is the right time to book your losses and reduce your tax burden

Money-saving tips: Here are five ways to lower life insurance premium

It is necessary to have a policy. But it need not be a burden on your budget

Smart ways to protect capital, ensure decent returns from equity investment

Use these smart strategies to ensure decent returns from equity investing

Do sovereign gold bonds bought in secondary market make good investments?

SGBs are not very liquid. Buy only if you believe gold prices will remain strong and if you can hold till maturity; if you're a short-term investor, ETFs work better

These five money tips for entry-level employees make their life easy

The idea is not to curb spending, but to start saving as well

With lower sum assured, Ulips emerge as attractive option with high returns

Recently, the Insurance Regulatory and Development Authority of India (IRDAI) allowed those under the age of 45 years to also buy Ulips with a lower sum assured

Standalone products can offer more comprehensive coverage than bundled ones

Sometimes, the free personal accident cover makes a payout only in case of death due to accident and not in case of a permanent disability. This significantly reduces its usefulness

Want to avail of home-loan overdraft? Do it only if you have surplus funds

Savings done by depositing extra money into the home loan overdraft facility should outweigh the higher interest cost charged from you

Invest abroad to beat market risks, but err on the side of caution

Brokerages, online platforms are making foraying into foreign equities easier

Giving guarantee for a loan can impact your financial health, here's how

By agreeing to guarantee a loan, you agree to repay the loan outstanding should the principal borrower be unable to do so at any point during the loan term

Investing in equities will help cope with out-of-pocket medical expenses

Most planners suggest having a Rs 5 lakh basic family floater, and then supplementing it with a super-top-up cover according to need

Forex cards are a cheaper, value-loaded option for international travel

Forex card scores over other instruments because it has several benefits

Getting close to retirement? You should shift towards debt-heavy portfolio

Usually, personal finance advisors suggest gradually lowering equity exposure closer to retirement, but maintaining a portion in good quality stocks or mutual funds can add sheen to the portfolio

Loan against credit card is an expensive way to get immediate liquidity

Loans against credit cards can be availed of quickly, but charge high interest rates, processing fee and prepayment penalty

The gold or silver dilemma: Which is a better bet to build portfolio?

Both are rising steadily, but the yellow metal is the preferred choice due to less volatility

Buying a life protection plan is necessary, but it should be the right one

Though tax-saving is an essential element of the investments you make during the year, before investing you should consider all the other options available

Annuity plans take care of longevity risk, but their rate of return is low

The key attraction of an annuity is the promise of a fixed and regular income after retirement

Quant funds remove human bias but may not outperform during bull run

If you are looking to invest in mutual funds which hold good quality stocks and minimises the risk of losses in falling markets, Quant Funds could be a good option

Using credit cards for ATM withdrawals? Here're errors that you must avoid

Withdrawing cash from ATMs using credit cards attract interest from the date of withdrawal till it is repaid