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…
Date Archives January 2021
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…
Market your Classroom Training at the National Level
Market your Classroom Training at the National Level For the training industry, 2020 shall be known as the year that forced Clients to accept technology-delivered training. Zoom, Microsoft Teams, Web-conferencing…
How Mutual Funds Offer Flexibility Of Playing Investment Themes
SYNOPSIS At the end of the day, the bet may or may not play out, depending on how the sector or theme performs. The USP of thematic funds is that…
Ulips Or Mutual Funds? These Factors Can Help You Choose The Better Option
One of the reasons to not summarily reject ULIPs is that there is an inherent tax advantage. As we enter the “tax planning” season from January to March, people look…
Banks’ Bad Loans Are Frozen, Take Data At Face Value
SYNOPSISThere is a risk of a further increase in NPAs amid the permanent loss of GDP due to the slowdown. Usually, in challenging times like economic growth slowdown, the non-performing…
Smart Investing: How To Use Equity Rally For Tax Harvesting
Book gains as price/NAV moves up, and buy the same share/MF scheme. It creates a higher acquisition cost for your ultimate taxation, when you sell the investment after an adequate…
The Dilemma In Home Loans: Fixed Or Floating Interest Rate?
In home loans, the nagging question remains: should the borrower choose fixed rates of interest or opt for floating rates? The decision to choose between a floating rate and fixed…