TDS on NRI Investments

by Manikaran Singal on April 9, 2015 Total Views: (315)

tds on nris

Being an NRI may get you privilege treatment from the bankers, property dealers, and from every seller of any product for that matter, but Tax man wants to deal cautiously with you especially on the front of tax collection, and thus applied TDS on almost every taxable investment that you make. There’s hardly any taxable investment ...

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How to Manage Post Retirement Income flow – Bucketing strategy

by Manikaran Singal on April 6, 2015 Total Views: (338)

retirement income flow

Money management during post-retirement years can be tricky. Those retiring at 60 may have another 25-30 years to live and a wrong asset allocation could lead to a situation where they outlive their savings, with no regular salary income to make up for the shortfall. Worse, retirees can fall prey to mis-selling, as was the ...

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Sticking to your budget can make your credit card a boon

by Manikaran Singal on March 31, 2015 Total Views: (291)

credit cards are not that bad

Credit cards have always been an area of concern when someone starts taking care of the family and personal expenses. Many unnecessary expenses in the family get directly linked to the abuse of credit cards. This easy credit sometimes gets so much misused that it affects your overall financial profile and also puts you into ...

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Looking to mint money from equities? There’s more than patience to it

by Manikaran Singal on March 24, 2015 Total Views: (516)

making money from equities

This article was originally written by me for Dalal Times, published on 21 march 2015 Rahul who’s an architect by profession calls himself a great admirer and follower of Warren Buffet. Besides warren buffet theories, he follows many financial blogs, watch business news channels and read yellow newspapers. He doesn’t have any financial background but also ...

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5 money management tips beyond investments

by Manikaran Singal on March 21, 2015 Total Views: (568)

money management tips

Money management is not limited to making investments; it is overall management of your financial profile. Finances are integral part of your personal life. Whether it matters to you or not but still if your finances are in mess then you cannot stay away from stress for long. Though investments are important but to get the ...

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LIC Jeevan Sangam ( Table no. 831) – Should you buy?

by Manikaran Singal on March 4, 2015 Total Views: (2530)

LIC jeevan sangam

LIC has become quite predictable now. It always comes up with new plan in the last months of financial year. Last year due to changes in IRDA guidelines LIC has to revamp its old products, in Feb 2013 it came up with LIC Jeevan Sugam , and this year it has announced LIC Jeevan Sangam. Like ...

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How to buy policy under Married women property act

by Manikaran Singal on February 21, 2015 Total Views: (536)

married women property act

Married women property act is enacted to protect the interests and properties of married women and children from relatives, husband and creditors. According to this act women will not have to part with any asset belongs to her and is not liable to pay off the loan taken by husband or his family. Her properties ...

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Asset Location is as important as Asset Allocation

February 17, 2015
asset location

This article was originally written by me for Money control. Published on 16 Feb’2015 For a perfect investment portfolio proper asset allocation is very important. Asset allocation distributes your money into different asset classes as per your risk profile to manage the inherent volatility of different asset classes and brings optimum returns in your investment […]

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Save taxes for your successor

February 9, 2015
save taxes

This article written by me was originally published in The Hindu Business Line on 2 feb’2015 Intelligently planning your estate can help save a lot of tax for your successors and also result in better money management. No clubbing Creating separate tax files in the names of different family members may not be possible during […]

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Reliance Retirement fund – Pension product in a new Package

February 4, 2015
reliance retirement fund

Reliance Mutual funds has recently come up with Reliance retirement fund. This fund will reopen for further subscriptions from Feb 20’2015. This Reliance Retirement fund is the first in its category. This is the first notified retirement oriented fund, which also has equity oriented scheme. Pension mutual funds already available in market (UTI, Franklin) do […]

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Investment options in falling interest rates scenario

January 28, 2015
investment options

On January 15th 2015 much awaited rate cut was announced. To start with, it is 0.25% of repo rate, but market participants as per media news are expecting this to go up to 125 basis points in FY 2015-16. Somewhere I also read some real estate developer expecting this year rate cut to be around […]

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