Page 13 - Personal Finance

Play safe in small-caps even though the valuations seem attractive

Given their high volatility, conservative investors must limit exposure to 5-10% of equity portfolio

Work actively on improving your credit score to protect your home loan rate

If more lenders hike their risk premium, it will spike the interest rate on your borrowing

Shift to e-DIS method to keep securities in your demat acccount safe

This will ensure that you don't have to give power of attorney to your broker and yet do not lose out on convenience

Lost your credit card? Here are the steps you should take urgently

Time is of importance in the scenario of a credit card loss or theft, so you must act promptly. Take these steps

Under new RIA norms, all your financial needs won't be under one roof

High net worth will ensure only serious people will be in the business of advising clients

Professionals in India now slightly upbeat about income, savings: Survey

Professionals in India are slightly more upbeat now about their income and savings as 1 in 4 respondents expect their earned income and personal spending to increase in the next six months.

Covid-19 crisis: Here's how you can manage your finances after job loss

Those who have been handed the pink slip shouldn't make too many loan queries

PPF, EPF, Sukanya Samriddhi: All you need to know about tax savings schemes

Individuals and HUFs can opt for a new tax regime from FY 2020-21 by giving up about 70 deductions/exemptions

7 personal finance tips to guide you through these unprecedented times

Coming out of these unusual times financially fitter and stronger would require discipline, perseverance, conservancy tricks and fortitude. Here are some handy tips for millennials

Is this a good time to invest in gold bonds? Yes, but do it wisely

The advantages are plenty. There are no hassles such as purity checks, making charges, and locker charges

Avoid banks and NBFCs with high proportion of unsecured and SME loans

Longer-term investors with a three-five-year horizon have an opportunity to pick quality stocks, which in calmer times tend to trade at exorbitant valuations

Covid-19: Quality PMS portfolios will help weather this downturn better

Investors who are over-allocated to the mid- and small-cap category need to switch to large- and multi-cap-oriented schemes

Don't shy away from money matters: Here's expert guide for women

Invest aggressively to deal with the challenges posed by a longer average life span and an often-curtailed work span

What Budget 2020 may hold for citizens and the stock markets: Expert's take

Business Standard speaks to Chartered Accountant Ashok Shah of N A Shah Associates LLP, on what makes this budget different from previous ones, and what the FM should do to fix the economy

Need emergency cash? Personal loan works for those who don't like surprises

Skip personal loans- when you splurge for a holiday, new iPhone or lifestyle expense you cannot afford

Returns from US funds may be muted amid US-China trade tensions

After rallying for 11 years, valuations seem to be on the higher side; patience is key for new investors

Poor quality data, late reporting causing trouble with credit scores

There are quite a few problems with the credit score

Now, there are loans for your lifestyle needs: Should you avail of them?

Loans are available for dental care, hair weaving and even to buy designer clothes, with easy repayment options

Want to increase savings? Don't wait until month-end to invest what's left

Remove a portion of earnings at the start of the month from the salary account to an investment account to reduce chances of misspending

Life insurance: Don't depend blindly on the agent, look at your needs

Ensure that you have a life and medical policy in place. This will safeguard your family against any eventuality and cover liabilities