Page 361 - Personal Finance

Balance yield with rating when choosing a bond, be aware of liquidity risk

Invest in individual bonds only if you can analyse and monitor the credit profile of companies

There's action in passive funds, build your core equity portfolio with them

Some active fund managers will beat the index each year; don't exit passive holdings out of envy

Start locking into best available FD rates; invest across tenures

By laddering across various tenures, you can ensure a regular flow of funds and maintain liquidity

Gold ETFs acquire patina of 4-year low investment in FY23, shows data

Returns, however, beat other asset classes

Convenient and economical: Why car leasing is catching up in India

Automobile manufacturers report a growing interest in non-ownership options for vehicles

Heirs must know what you own to claim wealth: HNIs should opt for trusts

Appoint nominees and write a Will to make the transfer hassle-free

Maintain proper documents proving source of funds remitted abroad

Have transparent reasons for each transfer and use reputable service providers in order to avoid scrunity

Here's how to check EPF passbook balance online or via SMS, missed call

There are various modes that are available both online and offline, through which one can check their EPF balance

Not liable to pay tax? Submit Form 15G/15H right away to avoid TDS

If your income exceeds 15G/15H limit but you qualify for tax deduction at a lower rate, use Form 13

Begin tax planning at start of financial year to avoid cash crunch later

Consider both income level and deductions you can avail of when choosing between old and new tax regime

Small savings schemes: Pay heed to return, taxation, and lock-in

Returns of some schemes remain unchanged throughout the tenure, but can fluctuate in the case of others

A snapshot of car loan interest rates offered by various firms with details

Here is how the car loan interest rates offered by banks stack up

Fund pick: DSP Midcap Fund

Fund pick: DSP Midcap Fund

Skilling the smart way: Selecting the right online course for your career

Companies are looking for managers, communication specialists, creative thinkers, and data specialists

RBI rate pause: Lock into best available FD rates, and ladder your bets

Debt MFs investing in quality papers and having average maturity of three-five years are good bets

Make part-prepayments to cut home loan tenor, but don't use retirement fund

Another option is to switch to another lender who is willing to refinance at a lower rate

Last-minute dash for debt mutual funds before tax advantage vanishes

Target maturity funds, longer-duration schemes see high demand

Gold, debt funds, insurance: What to do with your investments in FY24

With the spreads on home loans coming down, those who have a good credit score should consider refinancing

Go green to women only: Mutual funds set to differentiate in FY24

HDFC MF, Motilal Oswal and Samco among fund houses offering new plans

From insurance policies to MFs, here are the new tax rules from April 1

What changes: Tax on proceeds from high-value insurance policies, higher tax on debt MFs and more