In Search of Higher Returns Amid Falling Rates
As Bank Deposit Rates Fall, Even Conservative Investors Are Switching Assets. Where Can They Go?
National Savings Certificates Help as Interest Rates Fall
National Savings Certificates (NSCs) have been among the most popular tax-saving options for ages. In spite of the advent of market-linked investment products such as equity-linked savings schemes (ELSS), the certificates have retained their charm for certain sections of society. In this column, let us discuss the various facets of this special instrument of investment.
What Drives Us to Invest?
I had made the journey from economics to finance. As part of Keynesian economics, we were taught about the three motives to hold money: the transactions motive, the precautionary motive and the speculative motive; all through my teaching career that remained part of my Keynesian economics. But two decades, later when I immersed myself into the world of investment, I had to develop my own tools to understand the new discipline and make my investors understand the working of their own minds. One night as lay turning on my back, poring over the day’s happenings, suddenly I made a strong connection between what I had studied years back and the problem I was grappling with now: the motives.
Ask The Finapolis
Col. Sanjeev Govila (retd) of Hum Fauji Investments answers readers’ queries on investments, taxation and personal finance. Do you have a question you want answered? Email your question to email@example.com
Input Tax Credit To Benefit End-customer
Looking at the scale of India, it is reasonable to expect 3-5 years for the system to stabilize
Will GST Really Spike Up Your Bills?
As goods and service providers can claim input tax credit, your net tax bill will reduce say experts
The Bull Run Is Here To Stay
Karvy Finapolis’ event —“Is this the mother of all bull runs?” — evoked a thunderous response from investing public recently in Hyderabad.
Adhil Shetty's Column
Time to close that FD; here are better options
The 17 Mistakes To Avoid While Investing In 2017
Keep these points in mind to rake in the moolah from the markets this year.
FM Needs To Find His Focus
The finance minister needs to reboot an economy stalled by demonetisation when he delivers the combined Union and Railway Budget.
Reaction, response and lessons from animals.
The India We Ignore
Palagummi Sainath’s classic should be mandatory reading.
Suspected Infirmities In Jay Shah's Firm Raise Doubts Over Probity
While neither the case involved government contracts or projects, it has removed the sheen of morality and “unimpeachable integrity” Prime Minister Modi has sought and claimed.
The Traveler's Financial Tools
It is possible to borrow to fund your dream vacation. Many banks and NBFCs offer travel loans which are essentially a variant of the personal loan
A Reverse EMI Makes Travel More Pleasurable
The right way to enjoy your vacation is to plan it well in advance and save regularly for it, as there is no point in taking a holiday which results in financial stress at a later stage
The Shanbhag Column
Sec. 54F: A ruling with far reaching consequences
Unknown Lyrical Side Of Trump
Trump is a remarkable poet. This book aims to redress this oversight on the part of the literary world, and showcase his finest words in a previously unknown form.
How I Messed Up My (Financial) Life
A graphic account of a typical Indian male who began his career at 19 in the late 1980s and is now at crossroads.
The Jio Phone and the disruptions it will begin.
The Panchsheel Of Personal Finance
Once you are in a position to save, accumulate wealth through long and steady savings.
Age Needn't Make You Wary Of Investments
You need to be aware of your investment options and how you can break down your goal into smaller, achievable steps.
Planning Your Taxes Can Unlock Hidden Wealth
Does your tax-saving plan start in December and end with last-minute investments? You could be losing out on higher deductions and better returns
Why India Can't Boycott Chinese Goods!
Indian politicians are leading a campaign to boycott Chinese goods.
Why A 'Plan B' Approach Can Backfire
Always take backup. We hear it all the time. In everyday life, it translates to something like, “It pays to have a Plan B” or allusions to the Robert Burns poem about “the best laid plans” often going awry.
The Many Cheques & Balances
The moment you walk into a bank, know that the charge meter has been turned on
'Banks Have The Right To Levy Service Charges'
With the recent revision in banking service charges by a host of banks, including State Bank of India, HDFC Bank, ICICI Bank, we put some questions to The Banking Codes and Standards Board of India (BCSBI) on how customers are impacted by the host of service charges. Anand Aras, CEO, BCSBI, elaborates to S Vijaykrishnan.
Similarities between Mr. Pencil and Mr. Investing
Here’s a peep into the pitfalls behind that swipe of your debit card
GST Will Have Initial Hurdles: Jaitley
While admitting that the Goods & Services Tax (GST) will create some hurdles initially Finance Minister Arun Jaitley (pictured) on June 27 said that the new unified tax law will check tax evasion and inflation in the long term.
7 Ways to Prevent Text Neck
Our head is heavier at an angle than it is at a neutral position. That means our increasing usage of smartphones for reading, texting, etc is putting undue pressure on our spine