Small savings rate cut: Who gains, who loses

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ET Wealth Newsletter | Tue, Mar 29, 2016 | 09:29 AM IST

WHAT'S HOT #TaxPlanning, #HealthInsurancePlan, #TermInsurancePlan, #TaxImpactCalculator

Small savings rate cut: Who gains, who loses Young investors who invested in equity funds, debt funds and NPS and have large outstanding loans, will gain more if the RBI cuts interest rates. Will more disclosures by MFs help investors? Find out Other than commissions to distributors, additional disclosures don't seem to serve investor interest. Why NPS is not a good investment With tax saving driving investment decisions, people are drawn to the additional Rs 50,000 deduction under Sec 80CCD(1b). Here is why not to invest in NPS. Advertorial Everything you ever wanted to know about Car Insurance We spend so much time researching the latest model, the jazziest colours, the snazziest of safety features and we love it! But most of us know way too little about car insurance and all that it entails. Advertorial The single most important, thoughtful thing you can do for your family A plain-vanilla term insurance plan guarantees a significant payout in the event of the policy holder's death during the policy's tenure. Pros and cons of insurance cover for medical procedures at home You can claim the cost incurred for certain procedures carried out at home, but be aware of the limitations. April 1 financial pranks that fooled the world Make sure you and your money are not parted this year. Mutual funds: Why stability is better than high returns Moderate but stable returns are better than high but volatile returns. Is a higher credit limit good for you? Credit bureaus take the credit utilisation ratio into account to calculate an individual's credit score, to be used by banks to determine one's loan eligibility. Advertorial How to ensure that your parents are insured right Rising healthcare inflation has made higher insurance covers, particularly for senior citizens, a necessity. Advertorial Step by Step guide to choosing the perfect term plan When we are young, we don't think about death as something we need to plan for or even deal with.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Have you paid tax on your interest income? The tax department is turning the heat on taxpayers who don't report interest income. Don't be under the misconception that interest earned is tax-free. Should you track your mutual fund's performance? Investors should realise that there is a difference between evaluating a fund and evaluating their own investments. Is more disclosures by MFs the right way to push direct plans? By seeking new disclosures in the bi-annual statement sent to mutual fund investors, the regulator hopes to promote direct plans, but there may be other ways of doing so. All you need to know about 4K display resolution 4K is slowly and steadily moving beyond just televisions. ET Wealth explains the technology and what it means for the common user. How to avoid leaving monetary balances unclaimed Failing to maintain records of the investments or of an insurance policy might lead to having unclaimed balances. 6 smart things to know about loss of credit cards Transaction made on the card after the customer has notified the bank, will not be charged to the customer. How Oberoi can revamp income and investments to cut tax by over Rs 1 lakh Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Crompton Greaves plan to cut debt makes analysts bullish on counter Demerger of consumer products business, sale of loss-making divisions and focus on debt reduction has made the counter anlaysts' top pick. Kolhapur-based Kulkarni needs to align existing equity investments with goals "I want to know if I will be able to reach all my financial goals with my current investments." — Balkrishna Kulkarni Startup Positive Bioscience uses genetic testing to help prevent and cure diseases This Mumbai-based startup employs genetic testing to help prevent and cure diseases. Investors shouldn't tinker with 80% of portfolio: Chirag Setalvad, HDFC AMC "Expecting big bang reforms in a country like India which is fiscally constrained is unreasonable", says Chirag Setalvad Senior Fund Manager, Equities, HDFC Asset Management Company Limited.

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