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Liquidate financial assets if its return is lower than rate charged on loan

New Delhi, April 16 -- I had once approached a State Bank of India (SBI) branch to open a Public Provident Fund (PPF) account, but didn't open it. However, I gave them my Permanent Account Number (PAN... Read More


PF account earns interest even when you quit working

New Delhi, April 2 -- I retired at the age of 65. Now there is no contribution being made to my EPF account. Will my account continue to get interest as declared from time to time? -R.K. Gupta Emplo... Read More


You should keep increasing your savings rate every year

New Delhi, March 12 -- I am 49 years old and have been investing Rs.5,000 each in Mirae Asset Emerging Bluechip, L&T India Value, IDFC Focused Equity, L&T Emerging Business and Motilal Oswal 35 funds ... Read More


Longer horizon can give higher returns

New Delhi, Feb. 26 -- My daughter is 15 and should get married in 10-12 years. I wish to start investing for this purpose. I can invest up to Rs.30,000 every month. How much will I be able to gather f... Read More


Before investing, ensure you have adequate insurance

New Delhi, Feb. 19 -- I own a house that I live in and I want to invest in another property that is worth Rs. 2 crore. I can pay 50% of the amount but will have to take a home loan for the rest. My an... Read More


Protect yourself by taking adequate life insurance against home loan amount

New Delhi, Feb. 12 -- My wife and I earn close to Rs.2 lakh a month. We live on rent ( Rs.30,000) and our expenses are Rs.90,000. We are planning to buy a two-bedroom apartment for Rs.65 lakh in a pro... Read More


Save in equity if you can delay goal of buying a car

New Delhi, Jan. 28 -- I am 23 years old and earn Rs.8 lakh per annum. I want to start saving to buy a car. Should I save in mutual funds or an FD? How much should I save every month if I want to have ... Read More


Instead of taking more risk, increase savings

New Delhi, Jan. 22 -- I am 45 years old and I am investing through SIPs in the following funds since July 2017: Rs.3,000 each in ABSL Tax Relief'96 (ELSS), Motilal Oswal Long Term Equity (ELSS), ABSL ... Read More