FINANCIAL PLANNING


Moneylife Digital Team 10 August 2018
The market regulator, Securities and Exchange Board of India (SEBI) has made it mandatory for all classes of investors that, except in case of transmission or transposition, requests for transfer of physical shares will be accepted only if the securities are held in demat form. SEBI has given...

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Moneylife Digital Team 02 August 2018
On 1 February 2018, i.e., the day of the Union Budget 2018, finance minister Arun Jaitley announced capital gains tax @10% on long-term capital gains (LTCG) of equity and equity-oriented mutual fund (MF) schemes, starting this financial year. This announcement caused a lot of stir in the...

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If you want to work for money, you will be doing that throughout life. If you can’t protect your money, financial predators will chip it away. If you don’t budget your money, others will make you fritter it way. If you don’t invest properly in the right assets, your money will be eaten up by...

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Kishore, 25, is an energetic and enthusiastic youngster, employed in a top software company for three years. He was excited to receive an email from his human resources department (HRD) informing him that the management was arranging a pleasure trip to Bangkok for star performers, and Kishore...

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Raj Pradhan Raj Pradhan 19 January 2018
Public provident fund (PPF) was a popular investment product for non-resident Indians (NRIs) as it provided safety of principal and decent return, along with being tax-free in India. NRIs have been putting their hard-earned money into this product. The government sent NRIs into a tizzy by...

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Mehrab Irani Mehrab Irani 01 December 2017
Why do so many women delegate their financial security to a spouse or significant other and allow divorce or death to plunge them into financial difficulty? Why do so many women spend more than they earn and become mired in debt? Why should boys always manage all the money? Nobody wants to...

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Rajeshwari Victor 06 February 2017
My father expired on 28 November 2016. He was a government servant and retired as a Joint Commissioner, Income Tax. As I come to terms with his loss, I feel like sharing the knowledge that I acquired regarding the processes involved in the paperwork post his death. I have worked in the...

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Raj Pradhan Raj Pradhan 03 February 2017
A New Year means we are older by a year. The year 2016 was eventful with the shocking demonetisation of Rs500 and Rs1,000 notes. Are you prepared for similar or other emergencies? Will your family know where your money is? Will they be completely at sea and not even get the money for which...

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Good housing costs a fortune for the average saver. To help them, the government is offering generous tax deductions for home loan principal and interest amount. Of course, you need to know how to handle the deductions for different situations. A few changes introduced in Finance Bill 2016...

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Debashis Basu Debashis Basu  and   Raj Pradhan Raj Pradhan 14 November 2014
A comprehensive online survey reveals how much financial consumers know of saving, investing and insuring. Check out where you stand   The life of a financial consumer is not easy. Regulators tell you to get financially educated but we don’t have much scope to acquire the unbiased...

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Debashis Basu Debashis Basu 07 February 2014
What is the ideal profile of a smart saver & investor? Here are the results of our survey. Check out where you stand. Over the past 20 years, the Indian financial market has made tremendous strides. New products, like mutual funds and unit-linked insurance plans, have proliferated. We...

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Nagesh Kini Nagesh Kini 25 November 2013
Many retail investors who suddenly win a lot of money in one shot in a lottery or out of the blue, squander because of unscrupulous financial advisors. Here’s a concise guide to help you be smart with your windfall gains In life one may have the good fortune to receive an unexpected or...

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Debashis Basu Debashis Basu  and   Jason Monteiro Jason Monteiro 09 August 2013
Scary anecdotal evidence, poor performance, opaque disclosure standards and candid responses to our online survey—all show that portfolio management schemes, aggressively pushed by brokers and banksters, are weapons of wealth destruction. Moneylife brings you the first-ever detailed analysis...

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Moneylife Digital Team 08 August 2013
Astudy for DSP Blackrock conducted by Neilson reported that about 77% of working women in India depend on their father or spouse for making investment decisions for them. Of the 23% women who invest on their own, 18% are single working women. “Most women are only informed of investment...

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If one loves his family and wishes to ensure that his kith and kin will have easy access to his hard-earned savings, it is advisable to take steps to assist and provide for the loved ones, when one is not around to help them   Instances are not rare where the bread winner suddenly...

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Moneylife Digital Team 28 June 2013
The EPFO stated that its 5 crore members need not necessarily have Aadhaar numbers to avail the benefits of PF body's schemes as these are excluded from Centre's Direct Benefit Transfer programme Now the Employees Provident Fund Organisation’s (EPFO) over 5 crore members need not...

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Moneylife Digital Team 18 June 2013
Purchasing financial products is fraught with danger and risk. What if it does not serve its purpose? Financial regulation should permit recalling financial products to protect consumers Have you ever purchased a product only to find it defective later on? You would probably have got it...

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Vivek Sharma Vivek Sharma 27 October 2012
In order to be precise, the financial planning process needs to be more investigative. Generic solutions are easy to offer and implement but do not serve the purpose of long-term planning Financial planning is gradually emerging as one of the most important and talked about professions...

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Vivek Sharma Vivek Sharma 04 October 2012
While financial planners have their own opinion on inflation, institutions involved in conducting financial planning courses in India have never thought of an inflation index, which shows that there is very limited innovation in financial planning in India All financial planning advice...

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Moneylife Digital Team 29 May 2012
Residents of Financial Action Task Force member countries, Gulf Cooperation Council and European Commission will also be considered as qualified foreign investors   New Delhi: In order to attract foreign funds, the Indian government on Tuesday allowed individual overseas investors also...

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