Page 6 - Your Money

Debt products in a young investor's portfolio? Yes, here are reasons

While equities may fall sharply, debt investments tend to remain stable and reduce overall portfolio losses

House or retirement corpus? What investment young Indians should make first

Start by saving 15-20% of your take-home income and gradually increasing the amount as your salary grows

Saving tax vs making investment: How the two tax regimes measure up

The decision is between choosing a tax system to guide your investments, or separate investing from taxation

Planning to risks: 7 mutual fund investments mistakes beginners keep making

Failing to monitor and review could result in your investments not giving you results you had sought

Old vs new tax regimes: What is the difference, what are the benefits

A taxpayer can switch between the two regimes while filing the returns but cannot go back to the other one till the year ends after making a selection

Dividends and taxes: How to calculate and report income with accuracy

Income from stocks or mutual funds may be taxed at a higher rate depending on your income

Salaried employees and taxes: Paperwork and declarations explained

Declare less than you expect to invest: It's easier to claim a refund later than to pay extra TDS

Premium to taxes: What young families should know about buying insurance

An insurance policy should be selected based on other factors such as risks and the number of family members

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

Take-home to gratuity: Understanding the elements of a salary structure

Know how 'cost to company' and leave encashment shape how you earn from work

House, travel, education: How to manage shared goals in a relationship

Couples must openly discuss money and work on savings and investments together

Couple goal in finance: How to balance independence and responsibilities

Partners should fund shared goals together but keep personal spending separate

Interest rate, hidden charges: How to choose the right savings account

Check if the bank allows low minimum balance, free ATM withdrawals and has a good mobile app

Weddings to retirement: Master financial goals without risking liquidity

Build a safety pyramid by setting aside cash for immediate needs and making growth investments for distant dreams

Interest rate to hidden charges: How to avoid credit card debt spiral

Keep utilisation below 30% of your total limit: That is the simplest way to falling into trouble

Milestones to regular reviews: How to set money goals you can track

Balance your goals by fulfilling present financial needs and long-term security

Secured vs unsecured loans: Which fits your needs, how are they different

Buying an unsecured loan is a better solution if one needs a small amount and there are no assets to pledge

Retirement and pension planning are not the same: What to do for each

Retirement is a broader phase of a person's life after employment ends; pension is a regular payment one receives after retirement

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

How to manage debt: Prepayment and balance transfer options explained

If a person is taking more loans to pay off existing debts, it signals a serious debt trap situation