Page 3 - Your Money

Using MTF? Keep sufficient cash for margin calls, avoid forced selling

Investors should restrict margin trading facility use to liquid stocks, maintain adequate cash buffers for margin calls, and avoid excessive leverage during periods of market stress

Increasing your credit card limit is a risk and reward: How to do it safely

Treating a higher limit as extra income rather than a deferred payment is a dangerous habit

Block card, inform bank, reset passwords: What to do after financial fraud

Call 1930 and file a complaint on the official cybercrime portal

Credit card payment: How does it work, how safe is it and what does it cost

The feature is faster than a regular card swipe and safer than the old magnetic strip cards

What is financial freedom and how to achieve it without making mistakes

It is a milestone where you have accumulated enough in your investment accounts to fund your retirement age

What is prepayment of a loan, and when is it worth considering the option

Deciding whether prepayment is good for your financial situation requires comparing the return against your alternative investment options

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