Personal Finance
The Tax-Saving Trap: Why Deductions Should Never Dictate Your Portfolio
Investment choices should be based on financial goals, risk and liquidity, with tax efficiency considered only after the portfolio's core structure is determined.
 "The Tax-Saving Trap: Why Deductions Should Never Dictate Your Portfolio")
₹1 crore retirement benchmark loses ground as Indians reassess needs
Only 51 per cent of households earning more than Rs 15 lakh consider Rs 1 crore sufficient, as Indians report accumulating just 28 per cent of their target corpus
 "₹1 crore retirement benchmark loses ground as Indians reassess needs")
Don't let fake discounts and paid rankings distort online shopping deals
Track price history, compare the final payable amount and keep screenshots
 "Don't let fake discounts and paid rankings distort online shopping deals")
The Myth of Corporate Safety: Why Employer Health Insurance is Not Enough
Corporate health cover may offer convenience, but low limits, co-payments and employment-linked protection can leave families financially exposed during a medical crisis.
 "The Myth of Corporate Safety: Why Employer Health Insurance is Not Enough")
How to Think about Retirement If You Are in Your 20s and Hate the Word
Starting early can turn modest investments into long-term financial autonomy, providing the freedom to change jobs, take a sabbatical or pursue a different career.
 "How to Think about Retirement If You Are in Your 20s and Hate the Word")
How to Rebalance Your Portfolio Once a Year
Annual rebalancing helps investors correct asset-allocation drift, manage risk and restore their target portfolio mix without reacting to market noise.
 "How to Rebalance Your Portfolio Once a Year")
How to Match Investment Products with Your Time Horizon
Aligning investments with goal deadlines can balance liquidity, market risk and inflation while preventing costly timeline mismatches.
 "How to Match Investment Products with Your Time Horizon")
Term insurance purchases rise 1.5X post-GST break, more buy riders: Report
Lower premiums are prompting buyers to reassess their protection needs and opt for higher cover and riders.
 "Term insurance purchases rise 1.5X post-GST break, more buy riders: Report")
UPI MDR from Oct 15: Will your SIP, automated insurance payments cost more?
The payment method matters: One-time UPI transactions and automated mandates will be treated differently under the new framework
 "UPI MDR from Oct 15: Will your SIP, automated insurance payments cost more?")
UPI MDR explained: How new charges compare with debit, credit cards
Credit cards can cost merchants 1.5-2.5%, while debit cards can cost up to 0.9%; new UPI MDR is capped at Rs 300
 "UPI MDR explained: How new charges compare with debit, credit cards")
UPI, net banking or bank transfer: What does funding your broker cost?
UPI may remain free for investors, but brokers could face a new cost every time customers move money into their trading accounts - even if they never make a trade
 "UPI, net banking or bank transfer: What does funding your broker cost?")
How to Know Whether You Are Investing or Just Reacting
Goal-based investing, fixed asset allocation and periodic reviews can help investors resist market noise, emotional impulses and costly portfolio churn.
 "How to Know Whether You Are Investing or Just Reacting")
What ongoing costs should first-time renters remember
First-time renters should budget beyond rent for setup costs, monthly bills and replacements, while prioritising essentials and avoiding debt-led overspending.
 "What ongoing costs should first-time renters remember")
How to Create a Low-Stress Portfolio If You Hate Volatility
Risk-averse investors can balance growth, stability and liquidity through diversified assets, disciplined allocation and annual rebalancing.
 "How to Create a Low-Stress Portfolio If You Hate Volatility")
UPI charges explained: What happens when you pay ₹5,000, ₹50,000 or ₹1 lakh
The government estimates about 96% of merchant payments will remain unaffected by the changes. The network processed 24.51 billion transactions valued at 29.9 trillion rupees in August.
 "UPI charges explained: What happens when you pay ₹5,000, ₹50,000 or ₹1 lakh")
Rera or consumer commission: Why forum should be chosen with care
Avoid duplicate claims, and enforce an existing order in the same forum
 "Rera or consumer commission: Why forum should be chosen with care")
Your bank deposits are lawful but tax experts want you to keep records
A senior citizen won relief after bank records linked disputed deposits to an old fixed deposit and earlier cash withdrawals
 "Your bank deposits are lawful but tax experts want you to keep records")
Rakesh Roshan leases Andheri office to BeingU Studios for ₹7.3 lakh a month
With the 5% annual escalation, the initial ₹7.3 lakh monthly rent will rise to ₹7.67 lakh in the second year and about ₹8.05 lakh in the third year,
 "Rakesh Roshan leases Andheri office to BeingU Studios for ₹7.3 lakh a month")
Credit-card cashback, referral bonus, online wins: What's taxable in India?
Is your credit card cashback taxable? Know the tax rules for rewards, referrals and online sales
 "Credit-card cashback, referral bonus, online wins: What's taxable in India?")
Explained: RBI proposes 60-day debit holds for suspected mule accounts
The proposal gives account holders 20 days to explain flagged transactions, while banks face fixed timelines for action and review.
 "Explained: RBI proposes 60-day debit holds for suspected mule accounts")