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Personal Finance

Hidden charges on SBI ATM cards: Is your money disappearing quietly?

Hidden charges on SBI ATM cards: Is your money disappearing quietly?

Sun, Nov 03, 2024

People mostly think that when they open a bank account, they get an ATM card for free, but that is not true. Let us know what types of charges are levied on SBI ATM cards.

Diwali 2024: 5 Smart Ways to Invest Your Money This Festive Season | Festive Shopping | Finance | Shopping | Online

Diwali 2024: 5 Smart Ways to Invest Your Money This Festive Season | Festive Shopping | Finance | Shopping | Online

Thu, Oct 31, 2024

With Diwali just around the corner, people are excited for online shopping. However, it’s easy to overspend on non-essential items. This festive season, instead of wasting money, consider these five smart investment strategies to make the most of your finances.

From Rs 18,000 Monthly SIP to Rs 12 Crore Corpus: How many years it may take to achieve this goal

From Rs 18,000 Monthly SIP to Rs 12 Crore Corpus: How many years it may take to achieve this goal

Thu, Oct 24, 2024

From Rs 18,000 Monthly SIP to Rs 12 Crore Corpus: Monthly investment for the long term can make achieving a tough financial goal possible. If one is aiming at a corpus that can accomplish their retirement needs and meet expenses post retirement, early investing can be great help.

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Equity Mutual Funds: Know advantages of investing in equity mutual funds

Equity Mutual Funds: Know advantages of investing in equity mutual funds

Wed, Sep 13, 2023

Equity mutual funds are gaining popularity among investors as they offer higher return. However, there is a higher risk associated with equity mutual funds due to direct link with market fluctuations.

Credit Card: Why you should not pay rent through your credit card?

Credit Card: Why you should not pay rent through your credit card?

Wed, Sep 13, 2023

Many card holders use their credit cards to pay their rent. However, there are a few drawbacks. If you fail to pay the credit card bill in full it may accumulate more interest over time.

Refund of Premiums: How do term plans with RoP work? Should you opt for it?

Refund of Premiums: How do term plans with RoP work? Should you opt for it?

Tue, Sep 12, 2023

A Term Insurance Plan is a more affordable option in comparison to a life insurance plan and can be purchased for a fixed period. Many term insurance plans come with the return of premium (RoP) riders. You can get the refund of premium paid after the policy period on opting for RoP rider.

Retirement Planning: Here’s how early investment can help you to build wealth for retirement

Retirement Planning: Here’s how early investment can help you to build wealth for retirement

Tue, Sep 12, 2023

The decision to make an early investment also comes in handy in the long run as the earlier you start saving the more returns you will receive due to the power of compounding.

Credit Card: Tips to avoid interest charges on credit card spending

Credit Card: Tips to avoid interest charges on credit card spending

Tue, Sep 12, 2023

The credit card holders should be cautious on spending to avoid unnecessary charges and interest rates. Missing the deadline and paying only the minimum amount also increases the interest charges on credit card spends.

Retirement Planning: Follow these tips to save tax on pension income

Retirement Planning: Follow these tips to save tax on pension income

Tue, Sep 12, 2023

Pension income for non-government employees is taxable. Hence, to maximise tax savings, one should invest in schemes such as Public Provident Fund (PPF), National Pension System (NPS) and Senior Citizens' Savings Scheme (SCSS), among others.

Commodity Capsule: Gold prices listless ahead of US inflation data

Commodity Capsule: Gold prices listless ahead of US inflation data

Tue, Sep 12, 2023

How are bullion, agricultural commodities, and industrial metals faring today? We bring you the latest updates from the world of commodities.

Retirement Planning: Tips to follow if your retirement funds are falling short of target

Retirement Planning: Tips to follow if your retirement funds are falling short of target

Tue, Sep 12, 2023

Factors like inflation and market uncertainties may impact the return on your investment leading to a short fall in your retirement corpus fund. Retirement planning is important as it gives you an estimate of the corpus fund you can build with your savings in the long-term.

Retirement Planning: What is the importance of life insurance for post-retirement financial security?

Retirement Planning: What is the importance of life insurance for post-retirement financial security?

Tue, Sep 12, 2023

Retirement planning not only secures one's future but also ensures financial security for their family. Life insurance policies also come with annuity plans which can ensure pension payouts after retirement.

Tax Saving: How tax-free bonds are helpful in accumulating wealth?

Tax Saving: How tax-free bonds are helpful in accumulating wealth?

Mon, Sep 11, 2023

Tax-savings bonds are an ideal choice for those who are looking for a low risk and secured return. These bonds are often backed by the government and come with a fixed interest rate.

EPFO: How does the EPF calculator help you to set your retirement planning goals?

EPFO: How does the EPF calculator help you to set your retirement planning goals?

Mon, Sep 11, 2023

With the use of an EPF calculator, an EPFO member can estimate the corpus fund for retirement. The EPF maturity amount may depend on several factors like basic salary, age of entry, retirement age, and interest rate.

Here’s how to get a personal loan without credit history?

Here’s how to get a personal loan without credit history?

Mon, Sep 11, 2023

Most of the lenders approve personal loan applications based on the credit history of the borrower. Your personal loan application could be rejected if you have a low credit score. Though many banks offer personal loans to borrowers with low credit scores they may charge higher interest rates.

NPS: How you can choose fund manager to get maximum returns

NPS: How you can choose fund manager to get maximum returns

Mon, Sep 11, 2023

The National Pension System (NPS) is a great option for ensuring financial security after retirement as it provides a steady and reliable source of income during retirement years. Choosing the right NPS fund manager for your portfolio will help you to maximise return on your investments.

Sovereign Gold Bonds vs Physical Gold: Which one is better and why?

Sovereign Gold Bonds vs Physical Gold: Which one is better and why?

Mon, Sep 11, 2023

In comparison to physical gold, Sovereign Gold Bonds (SGBs) have become the popular investment option in the market as they offer secured returns. Unlike physical gold, there is no depreciation in the value of Sovereign Gold Bonds.

How Sovereign Gold Bonds fare among non-physical options to invest in yellow metal

How Sovereign Gold Bonds fare among non-physical options to invest in yellow metal

Mon, Sep 11, 2023

Investing in gold is gradually gaining popularity due security and higher return compared to traditional savings instruments. With the advent of digital platforms, investors are shifting to non-physical gold options like Sovereign Gold Bonds, Gold ETFs and Gold Derivatives.

Commodity Capsule: Gold Prices Start the Week on a Firm Footing as Dollar Retreats

Commodity Capsule: Gold Prices Start the Week on a Firm Footing as Dollar Retreats

Mon, Sep 11, 2023

How are bullion, agricultural commodities, and industrial metals faring today? We bring you the latest updates from the world of commodities.

Sovereign Gold Bonds vs Gold ETFs: Which one offers better returns?

Sovereign Gold Bonds vs Gold ETFs: Which one offers better returns?

Mon, Sep 11, 2023

The choice between Sovereign Gold Bonds (SGBs) and Gold ETFs pivots on your investment goals, risk tolerance, and investment horizon. SGBs offer better tax efficiency compared to ETFs. On the other hand, Gold ETFs offer flexibility and promise a higher return.

What happens when term insurance expires without you making a claim?

What happens when term insurance expires without you making a claim?

Mon, Sep 11, 2023

Once the life insured outlives the term insurance policy period there will be no insurance coverage. Under certain term insurance plans if the policy holder opts for return of premium (RoP) the total premium paid could be returned after the end of the policy.

How investment in real estate can help you save taxes

How investment in real estate can help you save taxes

Sat, Sep 09, 2023

Real-estate investors can save a sizable portion of their profits by referring to the tax exemptions in Section 54 and Section 54F of the Income Tax Act.

Is investment in bond a smart idea for retirement planning?

Is investment in bond a smart idea for retirement planning?

Sat, Sep 09, 2023

For those with stock-heavy portfolios, introducing bonds can play a crucial role in diversifying your asset allocation.

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