Page 8 - Your Money

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

ELSS: All about equity investment product that helps in saving taxes

Scheme lets investors gain higher returns for the long-term on a comparatively shorter lock-in period

Mutual funds to pension schemes: Choosing the right long-term investments

Wealth creation involves being goal-focused, ensuring regular contributions, performing timely review

Mutation to insurance: Extra costs you should budget for when buying a home

Stamp duty and registration fee are two costs that lenders won't pay for and you have to pay them

​Rent or buy? How young people should think about home and finances

Owning a property is not only about EMIs but involves taxes, maintenance, society fees, insurance and repairs

True cost to interest: How to choose a credit card that serves your needs

If you use the card wisely, pay in full and on time and keep utilisation at 30% or below, it improves your credit score

Wealth, health, peace: Why retirement planning should start early

Invest regularly to build a corpus that can replace 70-80% of your pre-retirement income annually

EMI, interest rate & tenure: How to judge the true cost of a loan

Taking a loan is one part but managing it well is what matters long term

Insurance is not investment: Know what it means and how it helps families

Insurance ensures that one unfortunate event does not lead to financial disaster

How to update nominees for bank, insurance, mutual fund, demat accounts

Having one or two nominees is enough; add more only if there's a clear reason

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

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

How term plans, personal accident, illness protection insurance cover you

Protection products are designed for specific scenarios and one must understand the terms before making an investment decision

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

Home loan to medical bills: How to match investments with your goals

Write down your goals before putting money in any product and then set a deadline for returns