Page 6 - Guide To Personal Finance

Investors should sync tax savings with goals and cash flow needs

Even ELSS, being an equity fund, should be purchased with minimum seven-year horizon

Opted for old tax regime? Explore last-minute income tax saving options

Last-minute income tax saving options: ELSS funds, PPF, NPS, and fixed deposits are some of the popular options under section 80C. Don't forget health insurance

Manage trading capital efficiently with liquid exchange-traded fund

Switching between cash and equity and back becomes seamless

Investing in green deposits: How are they different; what do they do

Banks are allowed to offer overdraft facilities to customers against green deposits

Safe investment option: What is a fixed deposit; how does it work

An amount deposited with a bank or financial institution must not be withdrawn prematurely

Keep records, communicate: Dealing with unclaimed insurance policies

In numerous instances, members are unaware of the policy's existence, let alone its details

Arbitrage funds: Returns likely to be healthy in rising or volatile markets

Excess funds chasing arbitrage opportunities may, however, reduce potential returns

Unclaimed insurance, first market investment: Top personal finance stories

Our top stories this week explain why you should keep a record of your insurance policies and how to start with mutual fund investments

Why women's retirement, financial planning must differ from men's

Save diligently to counter the impact of career breaks, establish emergency fund to avoid touching the retirement portfolio

Conservative investors with long-term goals may opt for ESG funds

Their recent underperformance vis-a-vis multi- and flexi-cap funds was due to predominantly large-cap exposure

Managing pension corpus, life in retirement: Top personal finance stories

Our top stories this week tell you how to add years to your finances and the best senior living societies

Grievances for unextinguished tax demands can be submitted to CPC

Avoid doing so until April as CPC has been given 2-mth deadline for this task

NRIs should check their tax residency certificates for smoother compliance

Understanding tax residency rules and maintaining proper documentation is imperative to ensure smooth tax compliance

Non-linked policies' tax-exempt premium: Rs 5 lakh individual limit

By purchasing policies in the name of family members, you can maximise tax benefits

P2P lending; best in spring water brands: Top personal finance stories

This week we explain how to play safe on peer-to-peer platforms; how mineral water assists your health

Protect volatile equity market gains with 10-15% investment in gold

Potential rate cuts in the US this year could boost gold's performance

Use laddering to average out returns, minimise reinvestment risks

Those keen to strike a balance between risk and reward may go for barbell strategy

Paytm fiasco: Merchants must onboard alternative provider for UPI payments

Long-term, fundamentals-oriented investors should stay away from its stock for now

Simplifying nominations can boost financialisation

The Securities and Exchange Board of India's (Sebi) recent consultation paper aimed at overhauling nomination facilities for mutual funds and securities in demat accounts seeks to rectify such issues

Use multi-asset allocation funds if you are a new investor in the market

Evolved investors should use the option only as part of diversification of funds