Your Money

Use slowdown in housing sales to negotiate a better property deal

Compare nearby projects, negotiate the overall deal and not just the base price, and choose developers with strong delivery records to secure better value

Delayed home handover? Don't waive your right to seek compensation

If you must sign to get possession from the developer, record in writing that you are accepting possession without prejudice to your right to seek compensation

Outlook for debt funds improves, but avoid chasing long-duration gains

Keep the core allocation in short- to medium-duration funds; match fund maturity with financial goals

Multi-year health insurance: Lock in premiums, but check exit rules first

Multi-year health insurance plans offer premium stability and upfront discounts, but buyers should weigh flexibility, portability and future healthcare needs

Smallcap funds are rising: Should investors raise the exposure now?

After a sharp rebound in recent months, smallcap funds are back in favour. Experts weigh the opportunities, risks and suitability for different investors

What Sebi's new framework for securities transfer means for heirs

Succession-related issues can add to the difficulty. Legal heirs often need multiple documents. Coordinating several heirs can be difficult

Life cycle funds: A new category, but do they fit your portfolio needs?

Check the maturity date, glide path, costs, tax treatment and exit load before investing

How NRIs should navigate changes in tax status when returning to India

As their status changes from NRI to RNOR and then to ROR, both their tax and disclosure obligations change

Home loan protection plan or term cover: How borrowers should choose

If you give greater priority to flexibility, then opt for a term insurance plan

Don't let dark patterns quietly inflate your online shopping bills

Check the final payable amount, remove pre-ticked add-ons, and preserve screenshots if you need to complain

Should investors choose passive funds for smallcap market exposure?

While active smallcap funds have traditionally outperformed benchmarks, passive and smart-beta options offer lower costs and diversified exposure. The choice depends on investor preference and convict

What are your rights as borrower when bank tries to repossess your vehicle?

Demand proper notices, written authorisation, and a possession inventory before surrendering your vehicle

Equity savings funds: A sound option for stability-seeking investors

Equity savings funds usually suffer much lower drawdowns than pure equity funds

Income tax return filing: How to avoid errors, notices and refund delays

Make sure to match Form 16 with AIS and Form 26AS, choose the correct ITR form, and compare tax regimes before filing

Could your income tax return face complete scrutiny under CBDT's new rules?

The CBDT has identified six categories of taxpayers for mandatory complete scrutiny in FY27. Understanding the triggers can help taxpayers stay prepared

Planning to use algo trading? Key checks retail investors must make

Check back-test and live-trading data, drawdowns, and net-of-cost returns before you adopt an algo

Indispensable checks you must run before using Form 16 to file ITR

Before filing ITRs, salaried taxpayers should reconcile Form 16 and Form 16A with AIS, Form 26AS and personal records to avoid errors and notices

Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access

While selecting one, check the safeguards and the tax-reporting support offered by it

Outflows from gold ETFs signal caution; how should investors respond?

Existing investors should book partial profits if overweight; new ones should build exposure in a staggered manner

Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access

While selecting one, check the safeguards and the tax-reporting support offered by it