Personal Finance
RBI rate hike: Your EMI may not move, but your loan may get longer
How to save ₹55k on home loans after rate hikes: Increase your monthly EMI instead of loan tenure. Expert guide to floating rate resets, EBLR, MCLR, and prepayments in India.
 "RBI rate hike: Your EMI may not move, but your loan may get longer")
Active vs passive: How investors can choose the right fund strategy
Active and passive funds offer different advantages across market-cap segments, making a mix of both a sensible portfolio strategy
 "Active vs passive: How investors can choose the right fund strategy")
NPS Swasthya: Should retirement savings be bundled with health cover?
Investors should compare the premiums under NPS Swasthya with those of the standalone super top-ups offered by insurance companies
 "NPS Swasthya: Should retirement savings be bundled with health cover?")
30 and plan to start investing? What to do in the first of your plans
Focus on building an emergency buffer, clearing high-interest debt and setting up automated index fund contributions
 "30 and plan to start investing? What to do in the first of your plans")
Check authenticity and costs before buying art; keep allocation small
Commit only money you can leave invested for years
 "Check authenticity and costs before buying art; keep allocation small")
Target maturity funds: How to use them to lock into rising yields
Choose a fund you can hold to maturity, and assess its return after factoring in costs
 "Target maturity funds: How to use them to lock into rising yields")
Health insurance premiums: What leading insurers charge for a plan
As Irdai weighs caps on commissions and scrutiny of distribution costs intensifies, comprehensive health cover remains essential amid rising private healthcare expenses
 "Health insurance premiums: What leading insurers charge for a plan")
The new old luxury: Why vintage art is finding fresh interest
As affluent Indian homes become sleeker, buyers are looking to acquire objects with history. But when does something old become valuable, and what should a first-time collector know before buying?
 "The new old luxury: Why vintage art is finding fresh interest")
Switch NPS fund manager only if underperformance persists across mkt cycles
Check whether weak returns reflect the market cycle before changing your pension fund manager
 "Switch NPS fund manager only if underperformance persists across mkt cycles")
Inherited jewellery: How to prove its origins and avoid tax scrutiny
Preserve old valuation and inheritance records; document family lockers and explain the source of each holding
 "Inherited jewellery: How to prove its origins and avoid tax scrutiny")
Quit your job? Your EPF may still earn interest for years | Personal Finance
Taking a career break at 40? What happens to your EPF money? Find out how long your existing PF balance can continue earning interest, when an account becomes inoperative
 "Quit your job? Your EPF may still earn interest for years | Personal Finance")
World Heart Day: How to cover cardiac risks before an emergency strikes
Rising cardiac treatment costs make adequate health cover and a strong emergency fund essential for financial protection
 "World Heart Day: How to cover cardiac risks before an emergency strikes")
Bucket strategy deployed in retirement needs a refill rule
What happens after you start spending the safe bucket? If it is meant to hold two years of expenses, it has to be refilled from time to time
 "Bucket strategy deployed in retirement needs a refill rule")
Avoid paying a steep premium for foreign ETFs; explore other options
Compare the traded price with NAV and weigh taxes and costs before selling or choosing another route; industry limits on overseas investments restrict fund houses' ability to create fresh units
 "Avoid paying a steep premium for foreign ETFs; explore other options")
Stock Beta explained: What risk and return mean for individual shares
Learn how stock beta measures volatility, helps you weigh potential returns against real-world risk
 "Stock Beta explained: What risk and return mean for individual shares")
Why investors need to be cautious after run-up in small-cap funds
With pockets of this segment turning expensive, investors should rebalance if overweight and invest in a staggered manner
 "Why investors need to be cautious after run-up in small-cap funds")
Ahead of a festive season buy, check out the best car loan rates available
As the festive season approaches, a number of people start planning a car purchase to coincide with one or the other major festival. Here's a list of available car loans
 "Ahead of a festive season buy, check out the best car loan rates available")
The overlooked part of estate planning: Choosing your spouse's adviser
Leaving assets and investment records is not enough; investors should identify trusted Sebi-registered advisers in advance so their spouse is not pushed towards unsuitable products after their death
 "The overlooked part of estate planning: Choosing your spouse's adviser")
Can banks recover loans from life insurance payouts? Allahabad HC weighs in
Allahabad HC asked SBI to refund ₹17.29 lakh deducted from a widow's account to recover her deceased husband's loan, saying the bank was prima facie not entitled to recover it from insurance proceeds
 "Can banks recover loans from life insurance payouts? Allahabad HC weighs in")
Term plans with return of premiums: Count the real cost before you buy
Compare the higher premium with pure term cover, factor in inflation, and examine lapse and surrender terms
 "Term plans with return of premiums: Count the real cost before you buy")