Homeward Bound

Home loan interest rates are at historical lows. Extended tax sops from the government, and favourable fiscal policies make it the right time to invest in real estate. It’s a win-win for both the buyer and the developer.

Beyond the Raging Waves

Most investment options look foggy with the markets reeling under the second wave of Covid-19 pandemic. Experts suggest restraint and measured steps for investors, but push them for building an emergency fund with at least three months’ salary

Post Office Savings Schemes Banking On The Age

A higher risk appetite for faster and heftier returns divides India into two sections of investors. The seniors still trust the good-old Post Office Saving Schemes, while the juniors rush for new-age investment instruments.

Wage Redefined, Pay Reduced

Introduction of the new wage code from April 1 is likely to affect take-home salary for employees across public and private sectors but ensure a better retirement package

SEIZE THE DAY, MY FRIEND!

It’s always, earlier the better, when it comes to planning for the time after you hang up your boots. It’s a longterm proposition and is often tangled with a host of duties and dreams. Saving from an early life smoothens the job but a late-starter is certainly not a no-getter.

Riding The Time Machine

Covid-19 has battered non-banking financiers, assets are in the throes of defaults, yet they have proved their resilience time and again, and crossed the bar. NBFCs – which throw the lifeline to the base of the pyramid – are fixed firmly on the ground with their unmatched ability to evolve into indispensability for the Indian economy

Lower Rate A Business Booster In Hard Times

Home loan interest rates have reduced over the last few months – at a time when the entire world went through one of the toughest phases. The economies have just begun reviving. A lower interest rate is the need of the hour to support the nascent resurgence in the Indian economy, says SBI Chairman Dinesh Khara in an interaction with Outlook Money. Excerpts from the interview:

Life Cover For Lives In The Lurch

Insurance regulator has issued a diktat for life insurance policies to cover transgenders but insurers see very few takers and buyers find the products too costly, too complex

It's Ease Of Doing Investments

Sebi plans to introduce regulatory-light regime with the debut of Accredited Investors in the Indian securities markets. The regulator faces a host of challenges to counter risks of investor frauds

Parking Funds In ‘New Normal' India

Uncertainty in a post-pandemic world has left investors puzzled. Most sectors have started showing a revival but experts advise to keep a long-term horizon and take measured steps in choosing where to invest you money

Diversification! Think beyond Indian Markets

Indian economy is expected to record a sharp V shaped recovery as the business environment normalizes. Despite this, Indians should overcome the home country bias and ideally consider diversification of portfolio through investment opportunities in international markets. This will diversify the extant geopolitical risk associated with emerging economies, especially during periods of global/ regional financial crisis (i.e., East Asian crisis (96-97), 9/11 terror attacks and global financial crisis of 2008-09). So should form part of investor’s portfolio as part of as a prudent asset allocation and risk mitigation strategy

Corrections Do Pay Off

An entrepreneur meets her long-term financial goals by trusting the financial advisor to guide her through the market volatility and invest in the right funds

A Fit-For-All Cover Waiting To Be Unveiled

IRDAI has standardised the terms and conditions and inclusion and exclusions for life and non-life cover policies to offer subscribers a perfect entry-level package that would promote insurance penetration in India

There's No Age For Investment

A 93-year-old Army General changes his traditional outlook and starts investing in different asset classes to reap robust returns

Selling Life Breathing Life

The largest public issue in the history of India’s capital market is expected later this year with an estimated value of ₹1 lakh crore. The LIC IPO will give the individual investor an opportunity to be part of one of the biggest and oldest brands of the country that is built solely on trust and confidence

Retire, and Earn More

There are products, where either the income or maturiry amount is tax-free. Retirees, who receive lump sums, can take a close look

Cost Is The Key

New-age ULIPs are offering big ticket discounts to lure millennials. There’s a fear of hidden costs

A Speck of Gold Every Month

Investing ₹500 a month can help the rural poor finish their gold rush

The Cryptic Crypto-World

Digital currency is the new asset category. But risks are high due to volatility, lack of

Common Man's Wishlist

FM needs to hike deductions under 80D, and lower capital gains tax

One Size Doesn't Fit All

The new standard term insurance plan is easy to understand, and perfect for first-time buyers and low-income individuals. But the sum assured is low, and it is a pure-risk plan

Cashing In On Real Estate

The first and foremost thing to keep in mind before adding real estate to the investment portfolio is that “it is not an extremely liquid investment.”

Are You Cyber Secure?

Your bank accounts, and details of credit and debit cards can be up for sale on the dark web. Run for cover, quickly

Missed The Bus? Wait For Next One

In the short run, one could follow the money flow into stocks. Once corrections revalue prices, opportunities may open up

SENSEX-30 OR BSE-500

The rally, which was hitherto restricted to large-caps, has begun to spread to mid-caps and small-caps. But volatility will continue and this will not be a completely secular boom

Money Smart

Teach your child how to manage pocket money and achieve goals. Time to inculcate financial discipline

Come, Join The IPO Party

Be careful not to get a hangover. There are highs, and profits to be made. But the path to the riches is full of obstacles. Don't seek mere listing gains, and don't get swayed by grey market premiums

Goodbye Tension, Hello Pension

Start an early plan for your retirement. Focus on your risk appetite to allocate savings and investments across multiple metrics

Tweaks In Health Cover

Always disclose a pre-existing health condition and pay premium on time

COVID Fails To Dampen Startup Funding

The crisis-ridden economy has helped some startups emerge as $1 billion companies, with innovative and resilient approach