Personal Finance & Investing Tips to help you make money

Coming to terms with term insurance

April 30, 2017March 21, 2009 by Manish Misra

Term insurance is often referred to as ‘pure insurance’. Term policies provide life insurance coverage for a specified period of time. You can typically buy term insurance for periods ranging from 1 to 30 years. If the policyholder survives the term, the risk cover comes to an end.

Do you have adequate life insurance cover?

April 30, 2017March 19, 2009 by Manish Misra

Your life insurance needs changes as you move from one stage to another in life. How do you assess the right insurance amount for you? Read on.

10 tips to file Income Tax Return

April 30, 2017March 18, 2009 by Madhur Batra

Read this carefully, before you file your Income Tax Return (ITR), else you might end up putting yourself in big trouble. Many people in-spite of their best efforts are not able to fill error free Income Tax Returns (ITR).

Portfolio diversification is the key for Retirement Planning

April 30, 2017March 14, 2009 by Manish Misra

Now that you are ready to invest for your retirement, it is important to understand where to invest. Each type of investment has distinct advantages and disadvantages, and because each tends to behave differently in different types of economic mood swings, any long-term investor’s portfolio should be broadly diversified.

Retirement Planning – Start now, Save more, Retire rich

April 30, 2017March 14, 2009 by Shweta Misra

Retirement planning ensures that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working. An increasing number of young Indian professionals are moving away from the traditional joint family structure. Since support no longer comes easily, parents have realized the need to provide for themselves during their retirement years.

Investment asset classes explained

April 30, 2017March 11, 2009 by Shweta Misra

When we talk to any investment advisor, terms like “asset class”, “asset allocation”, “diversification”, etc keep cropping up. It is very important for a lay investor to understand these terms to make an informed decision. In this article we will discuss the basics of Asset class.

Is it the right time to enter Stock Market?

April 30, 2017March 11, 2009 by Manish Misra

You would have heard of the stock market, and more recently for all the wrong reasons. Indian Markets have plummeted over 70% from its top in last one year. Experts still feel that there is some downside left in the short term. So the question is should you invest in equities now, or hold on?

Impact of global financial meltdown on us

April 30, 2017March 11, 2009 by Manish Misra

Greed & Fear have been and would be the two indisputable factors that would drive the markets. Factors that led to this global meltdown are linked to subprime lending losses in US (3 trillion dollars and counting according to some estimates).

Income Tax deduction simplified

April 30, 2017March 10, 2009 by Manish Misra

Some one had once said “the best things in life are free, but sooner or later the government will find a way to tax them”. Over the past few years, the Government has steadily whittled down tax exemptions available to the common man. Thankfully, there are some still available that allow deductions from our gross income.

Basics of Income Tax

April 30, 2017March 8, 2009 by Manish Misra

Taxes are fee charged by a government on a product, income, or activity. If tax is levied directly on personal or corporate income, then it is a direct tax. If tax is levied on the price of a good or service, then it is called an indirect tax. The purpose of taxation is to finance government expenditure.

Income taxes were in existence since ancient times. References of well built taxation system are available in all ancient civilizations, Greek, Roman, or Indus Valley. Both Manu Smiriti and Arthshaastra provide details of variety of taxes levied in ancient India.