The trending narrative post the Budget 2023 proposal is that the Budget is disincentivizing savings. The argument goes like this: if the Budget is nudging individuals to move to the New Tax Regime, it likely means that it may eventually phase out many of the deductions available under the Old Tax Regime. Tax incentive is a major consideration for Indians to save.
Is the Budget 2023 disincentivizing savings? Read More »
A recent Supreme Court ruling about the Employees’ Pension Scheme has put personal finance writers in a tizzy. Most have tried to decipher the complicated ruling. Some have tried to tell eligible employees what they can still do to board the EPS bus if they’ve missed it so far. But after studying the ruling and its implications, we felt you needn’t worry over-much about the EPS if you have missed the bus. There are many other good pension options.
Employees’ Pension Scheme and the SC verdict – Your questions answered Read More »
Introducing Prime MF Screener (beta now) – a research screener that empowers you like no other MF retail research tool in India. Prime MF Screener is a research tool that will help you screen mutual funds using key performance parameters as well as portfolio parameters. The end objective can be to either choose funds for investing, to make decisions on exiting or simply review performance and quality of your funds vis-à-vis peers/benchmark.
How to use Prime MF Screener Read More »
“When facts change, it is best to change your mind.” It is not clear if this pragmatic statement was made by John Maynard Keynes or Winston Churchill. But it definitely applies to the world of investing where one needs to scout for the best opportunities after factoring in constantly changing asset prices, interest rates, macroeconomic conditions and regulations.
Changes in our FD strategy and new FD recommendations Read More »
Indian investors looking for a high yielding InvIT option for income seekers with relative safety have very limited choices today. Infrastructure Investment Trusts or InvITs, which are a halfway house between stocks and bonds, offer such investors a shot at earning higher yields without high risk to their capital.
Prime Recommendation: A high-yielding InvIT option for income seekers Read More »
If you’re wondering where to invest money in India, here are 8 different options you can consider. “Today people who hold cash equivalents feel comfortable. They shouldn’t. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value.” – Warren Buffett
Where to invest money in India – 8 brilliant options Read More »
If there’s one thing that governments love to do with their annual Budgets, it is to confuse ordinary folk with rule changes that have plenty of the fine print. This time, the change that has set off a confusing debate has been the budget proposal to limit the tax breaks on the Employees Provident Fund (EPF), the favourite retirement savings vehicle for many salary-earners. So, what changed for EPF subscribers in the 2021 Budget? Has the government now relaxed those provisions in the Finance Bill? What is the government trying to do to the EPF overall and should you be looking at alternatives to it? We answer these questions and many more here.
Confused about recent EPF changes? Here’s what you need to know Read More »
What are the best ELSS funds?
There’s a lot of research work that needs to be done when finding the best ELSS fund. You need to look at factors such as:
Consistency in performance against peer group and benchmark
Volatility in performance
Ability to contain downsides in a correction and ability to deliver in bull markets.
Investment strategy across market cap
Expense Ratio (the lower, the better)
Best ELSS Funds – 5 factors to consider Read More »
In this article, we’re going to discuss 2 powerful ways on how to save money from salary. Set aside a portion of money from your salary the moment you get paid. Then, do what you like with the rest. Don’t pay anybody else that money. That amount is YOURS. That is the first lesson in how to save money from salary and a super-important concept.
How to save money from salary – 2 powerful ways Read More »
The Initial Public Offer (IPO) of UTI AMC is hitting the markets today and will close on October 1. This offer of 3.89 crore shares to the public is made up entirely of sale of shares by UTI’s key shareholders – SBI, LIC and Bank of Baroda. In addition, T Rowe Price International Ltd, a long-standing global investor in UTI and PNB a sponsor, are also selling a small part of their holdings. UTI AMC will not receive any capital infusion from these divestments.
Should you subscribe to the UTI AMC IPO? Read More »
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