What do you look out for before joining an organization? Is it the salary, employee benefits or both? This choice will differ from individual to individual. But when an individual gets into the organization, he/ she must be aware of the benefits provided to them. These benefits are an additional financial support to the individual as it reduces the cost on education, travel expense, medical expenses and various other expenses. Companies also add on gratuity, superannuation, and many more benefits to your retirement. To understand the employee benefits in a better way, continue to read...

How often do we spend our time planning to invest our wealth in the secured funds and the stock markets? It’s good to have your wealth growing and preserved to accomplish your life goals. While it is equally important to plan who inherits what, after you’re gone. Would your family members be able to inherit your wealth easily or would they have to go through legal intervention? Legacy planning makes all of this easier, as advance planning is done to decide the ownership of the wealth after you, with minimal legal procedures. This edition highlights the importance of legacy planning and it will take you through the different ways of legacy planning...

We hope you and your family are safe and healthy. In the current outbreak, where the economy is severely impacted, it becomes a concern to have your well-being protected. Your financial protection happens when there is sufficient insurance coverage. This edition is about understanding the importance of insurance especially health and term insurance and having it to protect your loved ones. Read on...

There are set of dreams that have to be accomplished and as a parent, children’s goal becomes more crucial. Savings and investments made for your children is not enough. You need to embed financial skills in your child to make him financially independent. This, edition will help you to align investments to meet your Child’s goals along with a few training tips that will help your child manage money on their own.

While inflation has been pushing the prices to its highest limit, everyone is of the thought to bring down the high price. In such, a situation one is at ease, when medical expenses are backed up by health insurance. Health insurance manages your expenses while your treatment goes smoothly. You are also availed with a tax benefit. This edition is a complete guide for your understanding towards health insurance and its various features. 

The ultimate aim of a tax planning is to ensure you are able to minimize the tax liability by choosing the right tax saving instrument. Tax planning needs to be efficient enough that enables you to not only save taxes but should sync in with your financial goals. To understand the different deductions and exemptions available to salaried and retired individual at different stages of life, go ahead and read the full article…

Is it possible to diversify the risk of your portfolio with just one instrument?Yes, with ETFs one can invest in various stocks via index. They are passively managed instrument that track the benchmark index. It's a tool to beat inflation and also has various advantages such as tax benefit, options of various asset class and acts as a hedger. As this instrument seems interesting let's take a look at it. Go ahead and read full version for more information...

Indian equity markets are enduring high volatility over the past few months due to domestic developments such as the liquidity tightening, slowing economy, and subdued Q1FY20 earnings. The corporate tax cuts and the direct impact on earnings of this move would provide potential investment opportunities in the markets. As we start seeing some green shoots of recovery in the economy, particularly in the festive season ahead it could lead to an improvement in market sentiment and performance. This month's edition is about the market outlook, where fund managers have been interviewed, based on their investment strategy and views over the market..

When you talk about retirement the only question that arises is, have you collected enough for your living? We are uncertain of the expenses that will occupy in future, thus planning only before retirement is not sufficient. Post your retirement there has to be investments that keep an ongoing cash inflows. Planning for retirement should be such that even if your life expectancy increases you have that corpus to suffice your requirements. This article provides you ways to invest, post your retirement. Read more...

An ideal investment vehicle that is well-diversified, low cost and tax efficient way of growing your savings. Funds' performance is compared from its actual vs the benchmark showing its growth, risk parameters to analyse the risk in the fund. A comparison is done between mutual funds against other investment avenues, read the article to know more.

House property could be a daunting process as many facts and figures have to be justified and multiplied. With the price of the property being crucial, a wise decision has to be made while investing in this asset. Thus, read more to get smart tips for investments in a house property.

A financial instrument that is derived from an underlying asset that gets excised on or before expiry date. An instrument which is typically used to hedge risk involved in price fluctuation, interest rate movements, currency fluctuation, inflation, market movements, etc. Are you familiar with words like Futures, Options, Call, Put, Margin, etc. this all will be explored here as you go in depth of this article. Learn more.

Thinking about financial liabilities, we tend to get attracted too much towards credits with its phenomenal offers. The only way to tackle these issues is when they are managed in a right way. This month edition will develop your understanding towards available loans and the precautions that could save you from a debt trap. Know more......

Mutual fund are dominant investment vehicle for the retail investors these days. Seeing the variety of options served by the mutual fund houses, investors could utilize these variant mutual fund offers to accomplish their different financial goals. To know how it is done read on.

We are concerned about staying physically fit and prepare strict diet to remain fit. Likewise, we should have a financial plan to keep our financial budget healthy. For years we miss out on checking our investments performance whether it's meeting our set goals or not. Having a perfect balance between savings, expenditure and investments plays an essential role in your asset allocation. Read more to be watchful of and analyze ways for better investments to create a strong financial portfolio.

Very often we take tax planning for granted, though the tax filing happens once a year we do tax planning last min. Most of us have tax planning but an effective tax plan could help in reducing your taxes much more. This edition will ensure you are known to every tax saving instruments that can help you design your income tax. Learn more.

Estate planning helps you to transfer you're wealth to the deserving individual that are worth your estate. Letting your desired wish in the form of a Will keeps you at ease than an intestate succession. This edition not only ensures you make an estate plan but also makes sure that you keep updating your plan in case of a Will. Read on for better understanding.

Planning your retirement corpus ensures you to enjoy your golden years. These days due to better medical facilities, the life expectancy has been growing, which will require you to have proper retirement planning in place. Here, we would help you to understand the importance of starting early and where you can allocate your funds for your retirement plan.

Here we bring you a few fund managers' views on how they see current market scenario especially with the rupee valuation and their advice for our investors. Read on to find out what experts are saying.

Securing our financial plans with insurance is of a vital task, but lot of us are unaware about getting the right insurance products. Thus, our cover story of this month will take you through different types of insurance covers and the benefits they offer.

Financial planning is investing for your goals and maintaining a fair amount of liquidity to meet any unforeseen emergencies. To deal with the uncertainties, building an emergency fund is a necessity. Here we would help you channel your resources in a very productive manner so that they can be put to best use whenever necessary.

Things to consider before investing in the equity market

A complete guide to exchange-traded funds

There's one underlying component that plays a significant role in deciding success of our investment portfolio - asset allocation strategy. The March edition of ICICIdirect Money Manager focuses on this aspect of investing.

Leave a legacy through comprehensive estate planning, Retail inflation eases in January, CBT to meet on February 21, decide on rates for 2017-18.

Plan taxes according to your life stage, Mutual fund analysis, This month on iCommunity, Equity Model Portfolio.

Buying the right insurance policy, out of multiple options available today, may seem difficult at first. But once the need of insurance and ability to pay is figured out, suitable cover can be easily determined. We believe, understanding all aspects of the product before taking any financial decision is a thumb rule of money management. And since insurance plays an integral part of our personal finance, our November issue is a brief guide on insurance planning.

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ICICIdirect Money Manager Magazine is a monthly personal finance publication by ICICIdirect, providing credible research, actionable investing ideas and comprehensive analysis to its readers. Covering a wide range of topics related to stocks, mutual funds, insurance, loans, taxation, etc., Money Manager Magazine keeps you abreast of the latest in the world of personal finance.

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ICICIdirect Money Manager Magazine - February 2020

ICICIdirect Money Manager Magazine - February 2020

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