Allocation to equity should be as per the long-term volatility profile of equity, your investment horizon and your capacity to digest volatility. While portfolio review can be done anytime, March…
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Explained: All About Debt Fund Taxation And Indexation
The holding period must be three years to avail indexation benefits. Only debt mutual funds are eligible for indexation benefits and not direct bond investments. Now that we are into…
The ‘Long’ And ‘Short’ Of Debt Funds
The longer your investment horizon, the better At the current juncture, when interest rates are threatening to move upwards, there is a question among investors — which funds are appropriate…
Here’s All You Need To Know About Allocation Ratio In Your Portfolio
Allocation ratio is decided by the financial planner after considering various aspects like risk-return profile of the asset class, objectives and financial goals of the investor, investment horizon, etc. The…
Tax On PF Interest: Which Debt Mutual Funds Can Be An Alternative To VPF Contribution?
SYNOPSISThe SLR of investment stands for safety, liquidity and returns. EPF / VPF is safe. Debt MFs can also offer reasonable safety provided you select the fund with the right…
Lessons From The Franklin Templeton Imbroglio And Tips For Fund Selection
SYNOPSIS From the investors’ perspective, all AMCs are regulated by Sebi and there is no scope for any scam in the MF industry. Now that the Franklin Templeton issue is…
Opinion | RBI Says ‘Main Hoon Na’ To Bond Market
Over the course of the year, the RBI will have to bite the bullet and communicate the change of stance from accommodative, as real interest rates, net of inflation, are…
Budget 2021: What It Means For Interest Rates And Debt Fund Investors
The RBI would gradually withdraw the excess liquidity in the system and then reverse interest rates. The current interest rates reflect the support needed for a pandemic-hit economy. At 4…
Lending To Peers May Be Worth A Look
Peer-to-peer lending can give higher returns at relatively lower risk in a falling interest rate scenario Interest rates have come down significantly. Bank deposit rates have eased, and fixed income…
Taxation Of Segregated Portfolio Simplified
Currently, the date of cost of acquisition of segregated portfolio is the same as the date of cost of acquisition of main portfolio. In December 2018, SEBI allowed creation of…
National Pension Scheme: NPS As A Tax-saving Tool Goes Beyond Section 80C
Annuity income from 40% of final withdrawal is taxed at a lower rate due to lower income after retirement, thus bringing NPS close to the ‘EEE’ label of tax exempt…
Are Index Funds, Etfs Really Better Than Active Mutual Funds?
Over the past few years, globally and in India, there has been a significant shift from actively managed funds to passive funds i.e. Index funds or ETFs. The rationale for…