Search Blogs

Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

Are you interested to blog on financial issues? If yes, please send us an email at: info@daulatguru.com
Rachita Kotian is an independent blogger and writing has been her passion for a long time. A literature major, she loves exploring the world of health, lifestyle, travel and finance. When she’s not writing, she’s most likely listening to music, cooking, surfing the web, or catching up on the latest flick.

Start An SIP Today TO Free Your Child From Getting An Education Loan In The Future

Your children have a better opportunity to seek higher education in several foreign and domestic universities. Parents must start saving for their children’s education early to ensure they have the required corpus to meet the expenses. However, saving for your children’s education must not mean ignoring other goals, such as your retirement. You must differentiate between short-term and long-term goals. An important long-term goal is retirement and you must never compromise on saving for it. This is because any shortfall towards paying for your children’s education may be funded through a loan. However, any shortfall in your retirement corpus is not...
Continue reading
169 Hits
0 Comments

An Ivy League is Not Financially Out of League with Proper Mutual Fund Investment

For an average Indian household, children’s education continues to be one of the biggest expenses. Education costs are constantly rising and planning for this outflow is very important. Lifestyle inflation also affects the cost of your child’s education. As living standards become higher, parents want to send their children to the best institutions. Furthermore, children grow up in a certain atmosphere and do not want to attend government institutes that do not offer the latest and best technologies. In this situation, financial planning is crucial to ensure your child’s education is not compromised. You may be able to build the required...
Continue reading
160 Hits
0 Comments

Stop Envying Your Rich Friend & Start Getting Richer

So your friend's recently struck gold. You notice the swanky new pad, flashy new car, well-heeled attire and the works. You know you should feel happy for him that he's risen through the ranks, but somehow you feel a tinge of envy. So, then how do you resolve this predicament? A way to transform this niggling envy is to make it work for you. And how do you do that? Use it as a fuel for learning more on the right kind of investments. Don't let differing levels of income come in the way of your friendship. Make it ring, ka-ching...
Continue reading
115 Hits
0 Comments

Are Long-Term Taxes on Mutual Funds Going to be Introduced in the Next Fiscal Budget?

There are only a few weeks left before the announcement of the fiscal budget. Market participants are now looking for possible changes that may be announced, which would affect their investment decisions.    Some market participants anticipate modifications to Long-Term Capital Gains (LTCG) tax on equities. This is to cover the reduction of revenues due to the implementation of the Goods and Services Tax (GST).    Several analysts believe that the implementation of LTCG on equities may prevent investors from investing in this asset class. In addition to retail investors, LTCG on equities may deter institutional investors from investing. Such investors have pumped in...
Continue reading
177 Hits
0 Comments

Are Tax Exemptions Being Bumped up to INR 2 lakh in the Budget 2018?

To boost savings among the Indian population, Finance Minister Arun Jaitley may be contemplating increasing the tax exemptions according to section 80C falling under the Income Tax Act to INR 2 lakh. Currently, the maximum limit under this section is INR 1.5 lakh per annum. There are several investment options eligible for tax deductions as per section 80C. Some of these include Public Provident Fund (PPF), National Pension System (NPS), National Savings Certificate (NSC), tax-saving fixed deposits (FDs), Equity-Linked Savings Schemes (ELSS), and many more. How will the increased limit affect investors? The primary aim to enhance the section 80C limit...
Continue reading
206 Hits
0 Comments

Five Benefits of an Online Savings Account

Visiting a bank in India is often a hassle because you have to contend with long queues, apathetic officers, stifling heat and slow service. In the past, people had no choice but to put up with all this, if they wanted banking services. But not anymore. Now, you have the option of online banking. Online banking is not only safe, but also convenient and efficient. You can quickly open a savings account online. All you need is a few documents and a fast internet connection. There are so many benefits to operating an online savings account, it is a puzzle why...
Continue reading
110 Hits
0 Comments

How to Boost Your Life Insurance with Rider Covers?

When it comes to life insurance, the more the coverage the better. Buying a life insurance plan for the sake of it does not guarantee protection against unforeseen risks. The basic idea of a life insurance policy is to offer an income replacement to the beneficiaries in case of the death of the policyholder. However, there might be cases where the policyholder becomes disabled due to an accident and is unable to earn. In such a scenario, a simple life insurance policy may not be able to help you. This is where policy riders come into the picture. Although policy riders...
Continue reading
106 Hits
0 Comments

Understanding Derivatives Before You Begin Trade

The stock market is volatile with prices constantly moving up and down. This volatility makes it nearly impossible to time the market to earn profits. You may not have the experience or expertise to invest in the volatile markets. There is another financial instrument that allows you to hedge your risk while choosing the most appropriate timeframe and price. This instrument is known as derivatives. Such products have gained popularity because of their versatility and potential returns. What are derivatives? Derivatives are financial instruments deriving their value from an underlying asset. A derivative is simply a contract between two parties. The...
Continue reading
113 Hits
0 Comments

Understanding Credit Cards

A flexible and convenient option, credit cards are easy to carry and they allow you to buy now and pay later. With a growing awareness of plastic money, a large number of users choose to carry a card instead of cash. If used carefully, there are plenty of advantages of using a credit card. Many believe that it leads to a debt burden, which is not always true. The card should be used rationally and the repayments must be made on time. There are several factors, which must be considered when using the cards. Choosing a card Depending on the requirement...
Continue reading
104 Hits
0 Comments

How to Pick a Mutual Fund Scheme

Investing in mutual funds has become something as simple as grocery shopping. However, picking the right type of mutual fund is essential if you want to achieve your financial goals. There are a variety of mutual funds available in the market, hence picking the right one can often be confusing. You can choose to invest in a mutual fund as a lump sum or choose an MF systematic investment plan. The right type of mutual fund is not always the one that gives you the highest returns. When it comes to investing in mutual funds, you need to consider a variety...
Continue reading
137 Hits
0 Comments