Page 2 - Your Money

How to create financial goals for the decade with discipline, flexibility

Missing contributions or stopping midway does more damage to investments than market falls

How to build a money routine if your salary comes on the last working day

Keep a permanent surplus equal to 50% of your monthly expenses in your primary salary account

FOMO mistake in investing: How to spot the emotional decision early

If your investment decision is triggered by trending news, viral posts or "everyone is making money," it's likely 'fear of missing out'

Direct stocks vs mutual funds: Which route suits a busy professional

Choosing between individual stocks and mutual funds simply boils down to how much personal control you want compared to how much you're willing to hand off to expert managers

Property, REIT or index fund: How to pick the right real estate investment

Compare capital needs, liquidity, diversification and risks before selecting an investment route

Money made easy: How to automate savings, bill payments and investments

Leave a half-month's buffer in the salary account before switching on automated switches

REIT, InvIT dividend tax break: Experts explain what changes and the catch

Legal amendment could make REIT and InvIT dividend income tax-free, but experts flag a higher SPV-level tax and key caveats

Retired with EPF savings? Know when your money may stop earning interest

EPFO has told members that EPF savings do not earn interest indefinitely after retirement. Here's when interest can stop and what retirees should know.

Gold loan repayment option: Choose based on cash flow, not loan eligibility

Compare total cost and maintain a buffer to reduce auction risk

RBI's loan pricing revamp: Experts explain what could change for borrowers

Regulator is standardising how loans are priced. Here's what it could mean for EMIs, transparency and future rate cuts.

Can NRIs invest in PPF? What rules say for people who have moved abroad

Know whether NRIs can invest in PPF, continue existing accounts, extend them after maturity and withdraw the corpus

SGB premature redemption in August: These investors can exit early

Eligible Sovereign Gold Bond investors can redeem select tranches this August. Check the redemption dates, deadlines and rules

Ensure product suitability so you stay the course with life insurance

Low policy persistency often reflects unsuitable product choices. Careful evaluation of insurance needs, affordability and investment goals can help policyholders avoid lapses and stay invested.

Missed the ITR filing deadline? Here's how to file now, what it will cost

Taxpayers can still file a belated return by December 31, but they may have to pay a late fee, interest and forgo certain tax benefits available with timely filing

Build layered health cover to shield finances from critical illnesses

Combine a robust base health plan with a super top-up, critical illness cover and a dedicated medical corpus to protect household finances from soaring treatment costs

Missed July 31 ITR deadline? Experts explain immediate steps, penalties

Tax experts explain belated ITR filing, late fee, interest, refunds and the steps taxpayers should take now

How safe is it to accept finfluencers' investment recommendations?

If you wish to stay safe, stick to the minority that has a Sebi-registered investment adviser or research analyst licence

How to identify banking SMS scams before they empty your bank account

Verify alerts through official channels, never install files sent by text, and report fraud immediately

GIFT City Outbound Funds: With international funds closing down for SIP

With international mutual funds shut for fresh SIPs, GIFT City IFSC funds offer Indian investors a new route to global diversification through the LRS framework

Motor insurance: Prioritise 'engine protect' rider this monsoon season

Standard motor insurance covers many monsoon-related losses, but add-ons such as engine protect and zero-depreciation can significantly reduce out-of-pocket expenses