Page 8 - Guide To Personal Finance

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

Diverse portfolio funds and beach holidays: Top personal finance stories

This week we tell you about multi-asset allocation funds and unspoiled coastal destinations

Opt for long-duration, gilt funds to gain from interest rate cuts

Go for the flexibility of dynamic bond funds if you are unsure about direction of rates

Existing investors: Rebalance US equity funds portfolio, avoid exiting mkt

New investors should look beyond one-year data; enter via SIP route with a seven-year horizon

Use ITR 2 or 3? Be prepared to make more disclosures while filing return

Contributed funds to a political party? Have gains from cryptos? The taxman wants more details

Consider consequences before stopping EMI

The National Commission observed that once proceedings before the Debt Recovery Tribunal were completed, Ahmed could file a fresh complaint if a deficiency in service existed

High-value home loans: Enhance your credit score to boost eligibility

Engage a property lawyer to carry out title and other checks for smooth approval

Decoding budget documents: How to zero in on tax changes that affect you

Wait for full budget to be presented before incorporating relevant changes into your financial and tax planning for next year

Trim your tax bill by doing this: Gift money, pay rent to your parents

An effective tax-saving strategy involves transferring funds to your parents, especially if they are in a non-taxable or lower tax bracket

Donate and save tax; get the best room heater: Top personal finance stories

This week we tell you how making charitable donations can help in your taxes and the health effects of room heaters

Under-construction or ready-to-move-in house: How to make a choice

Regard the lower price of an under-construction property as compensation for betting on a riskier asset

Don't fret over the index valuations and take stock-specific calls

Meanwhile, news reports suggest the Securities and Exchange Board of India (Sebi) is in discussions with the mutual fund industry to carry out a comprehensive stress test of equity funds

Form 12BB: Things to know about investment declaration tool for tax saving

Form 12BB, a key investment declaration document, can be used by the employees who fall under the taxable income bracket to claim deductions

Tax-saving strategy; spotting mis-selling: Top personal finance stories

This week we explain what a tax-saving investment must do and how to read the fine print of pension plans

Investing in cryptos: Be mindful of high volatility, regulatory overhang

Potential investors should be mindful of regulatory overhang and high volatility