Page 521 - Personal Finance

Here are the investment options for self-employed individuals

Those with irregular income can consider these investment options for parking their short-term surpluses and investing for their long-term goals.

Regular salary vs consultancy: Here's how the tax treatment differs

Financial and tax compliance plays a significant role in deciding which option is more suitable for you. These have been discussed in this article.

Longer home loan tenure reduces EMI but increases interest cost

Choose your EMI and loan tenure carefully

Guidelines to junk the old car you no longer want or can't use anymore

If you're looking for the best price, try and sell it directly. But if you want fewer hassles, enlist the service of an entity that deals in pre-owned cars

Pharma, textiles are safer bets today

Textile businesses are priced at lower valuations and could have a greater upside

Invest in tax-saving instruments that are in sync with your financial goals

Buying the wrong tax-saving product, then abandoning it after a year or two because you realise it isn't suitable, will harm your financial health

Why you shouldn't worry about one-year SIP returns turning negative

Do not, under any circumstances, get persuaded by this temporary blip into stopping your monthly investments

Choose the right air purifier to help protect yourself from pollution

You must consider a number of factors typical to your situation while buying an air purifier

Irdai bats for easier exit from traditional plans; no change in returns

Draft guidelines propose higher sum as well as some bonus, if premiums are paid for two consecutive years

Fund pick: Kotak Bond

Fund pick: Kotak Bond

Tipping Point: Are you aware of the concentration risk in your fund?

A fund that is more concentrated will have a higher percentage of its portfolio concentrated in the top three (or five or 10) sectors in its portfolio compared to its peers

Realty check: Current rates and unit sizes in Rs 20 mn-Rs 25 mn price range

If you are looking at buying real estate, an idea about prevailing rates would come in handy

From health to vehicles: Readers' questions on general insurance answered

It is essential to buy personal (or family floater) health insurance cover as prolonged hospitalisation can drain your savings

What are 100-year term plans?

Whole life plans are being mis-sold as term plans because insurers and agents are unable to earn margins

Use balance transfer facility on your credit card to ease interest burden

However, this can be used only for a limited time period. If the amount is too high, go for a personal loan

Time for credit rating agencies to quickly respond to bond market signals

Rising spreads on a company's bonds will henceforth serve as a wake-up call to credit rating agencies to review their ratings

Here's how you can ensure your child's education is not hit by inflation

Before beginning to invest towards your child's higher education corpus, make sure you have the following pre-requisites covered

How Sebi is making debt funds safer for investors after IL&FS collapse

One fear among regulators is that allowing side pocketing could lead to fund managers taking higher risks. Even in the US, side pocketing is not allowed in mutual funds, only in hedge funds

NBFCs offer higher deposit rates than banks; invest after ascertaining risk

If you are comfortable with the rating, invest up to 10 per cent in a single company's paper

Why these scientist-turned-Hindu-seers plan to die, all blaming the govt

After Ganga campaigner G D Agrawal's death, an Ashram has its saints sitting on a relay-fast to death -- To save the Ganga