Personal Finance

Direct plans made default option: Why costs matter for MF investors

Sebi's move to make direct mutual fund plans the default on fund houses' digital platforms puts the spotlight on costs, but investors must weigh lower fees against the value of ongoing advice.

November money changes: What pensioners, taxpayers and investors must know

New mutual fund defaults, revised bank charges, life certificate deadlines and ITR extensions

UPS pensioners must submit life certificate by Nov 30: How to do it

UPS retirees can now use Aadhaar-based face authentication to submit their annual proof of life through a mobile app

37% of under-25 investors lose money, but India's Gen Z keeps on trading

Under-25 investors lead in market losses, complex tax filings jump to 82%

EPFO launches WhatsApp facility for PF balance, passbook and transactions

EPF subscribers can view their latest five transactions and get PMVBRY assistance, while eligible inactive accounts will be settled automatically

Salary is no longer enough: 47% of Indian taxpayers earn beyond their jobs

What used to be a single paycheck has diversified into multiple income streams, and the tax return is where this shift becomes visible first. Nearly half of Indians now repo

DLF plans mid-Nov launch of 135 Andheri homes, prices start at Rs 6.9 crore

After selling 416 homes worth over Rs 2,300 crore in its maiden Mumbai launch, the developer is preparing to introduce 135 more residences in Andheri West, with ticket sizes starting at Rs 6.9 crore

Lodha enters NCR with Rs 1,200 cr office project, plans Sohna Road launch

Realty major Lodha Developers Ltd will invest around Rs 1,100-1,200 crore to develop a premium commercial office complex on Gurugram's Golf Course Road

Check funding limits and net returns before buying property overseas

Overseas property now accounts for 13 per cent of surveyed buyers' wealth, up from about 5 per cent a decade ago. Experts explain the remittance limits, tax obligations and risks investors must assess

Should I invest in sector funds such as banking, technology, pharma

Sector funds can deliver strong returns during market rallies, but investors must weigh concentration risk, high valuations and volatility before investing.

Index vs actively managed funds: What's better for new investors?

As passive investing grows, new investors must choose between low-cost index funds and the higher-fee promise of active management

Opportunities, risks, taxes: What to know about investing in world markets

International equities allows investors to hedge against concentration risk, capture emerging growth themes

Taking a career break? Plan these investments before quitting your job

Planning your finances before quitting your job can mean the difference between a liberating life break and monetary crisis

Past return is just one metric to pick a mutual fund: Know what to do

Beyond chasing historical performance, building long-term wealth requires matching mutual funds to your time horizon, risk tolerance, investment goal.

Currency movements, taxation: Risks to know before investing abroad

Retail investors diversifying into global markets should consider the impact of geopolitical events

Why salaried people need personal health insurance beyond company offer

Building a personal cover early secures low premiums, covers waiting periods and ensures lifelong protection

Investment, aspiration, safety: Setting up a plan for 3 financial goals

Why one-size-fits-all risk profiling fails and how partitioning your portfolio protects your money

From savings to settlement: How to set up funds for house down payment

A blueprint for protecting your capital and structuring low-risk investments to ensure your house deposit is ready on closing day

What is estate planning: Nomination, joint holding, beneficiaries and Will

Without the correct paperwork, a savings account or a demat portfolio can become legally inaccessible

Check costs, sub-limits and network restrictions before buying OPD cover

Read the policy wording and understand the sub-limits and network-related issues before purchasing the policy