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Finance Forum India

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

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How & Why to Invest in Bonds

From time to time, various investment bonds & tax free bonds attract retail investors, especially when there is skepticism towards investing in equity & market sentiment is negative. But what are bonds, and how can retail investors who are not savvy invest in them? There is more than one way to invest in bonds, including purchasing individual bonds or investing in bond funds or unit investment trusts.  Before understanding how to invest in bonds let us first answer the basic question of what are bonds. Essentially, a bond is a debt investment through which an investor lends money to an entity...
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Retirement Planning Mistakes to be Aware of in 2016

Surveys reveal that most Indians retire with inadequate funds to sustain them during their retirement years. With inflation hovering at around 6% - 7%, increased life expectancy, and disintegration of the joint family system, retirement planning has become an important priority for most people. There are many common mistakes that people make when talking about retirement planning. Here are some pointers to maximize your retirement planning benefits, while avoiding common pitfalls. Not Starting Early It is important to start at the earliest and avoid procrastination. When you begin early, you can accumulate more by investing lower amounts through the compounding effect....
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5 Reasons To Have Your Car Loan Ready Before Buying

Buying their dream car is a huge milestone for most people. Car buyers often rely on the dealers for all their needs. A large number of people rely on the dealership for availing car financing too. A major reason for this reliance is the lack of knowledge and understanding among the buyers. In addition, individuals find it more convenient to avail all that is needed from the dealers. However, arranging automobile finance before walking into a dealership has certain benefits. Here are five reasons to have car finance ready 1.    Stronger bargaining position Relying on the dealer for everything during the...
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Life Insurance Needs for Mothers

In modern society, women have excellent careers and are equally responsible for the welfare of their families. Eventhough women play an important role in the families; many of them are still under-insured or uninsured. Once they become mothers, several women opt to stay at home to take care of their children. Some are single mothers who have the entire responsibility of managing their homes. Irrespective of whether a woman is a working, single or a stay-at-home mother, the necessity of insurance coverage cannot be disputed. Here are some reasons why mothers should avail insurance coverage ·      Income replacement A working mother...
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1 Lakh Personal Loan

These days, many people have a monthly income of Rs 1 lac. Hence the charm that this amount had earlier no longer exists. This also points towards the reduction of value of money.  Nevertheless, when it comes to personal loans too, Rs 1 lac is the most popular amount that is requested by the borrowers. And since its not much compared to monthly salary of many individuals, people don’t hesitate in taking Rs 1 lac personal loan whenever there is a need.  Now personal loans are unsecured loans that are offered to applicants after assessing their credit history and loan repayment capacity. Unlike...
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Financial and Tax-saving Planning for New Employees

Experts advise people to commence financial planning at the start of their careers. The biggest benefit of starting at an early age is to maximize the advantage of compounding. This compounding effect goes a long way in wealth creation. Several people are confused on how to plan for their financial goals and tax-savings. There are a large number of available options that can be chosen from, which further increases to the confusion. Presently, the tax structure in the country is favourable for the long-term investors. Based on this, investing in the national pension system (NPS) is a prudent choice. This is...
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Should you invest in EPF, PPF or in NPS?

  Employee Provident Fund (EPF) withdrawals are proposed to be taxed as per the Budget 2016. Under the proposal, 60% of the EPF corpus accumulated from investments made from 1st April 2016 will be taxable. This move has resulted in widespread confusion, bringing retirement plans in India under the spotlight. Since the announcement, the government faced pressure to withdraw the provision. The Finance Minister clarified that taxability of the EPF was not aimed at increasing government revenues. The focus was on making the country a pensioned nation. Moreover, investors will not have to pay any tax if the corpus is reinvested...
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Are You Comparing Car Insurance Quotes Smartly?

Car insurance is one of the smartest moves that should be taken immediately after you drive your luxury home. It is treacherous to drive a car without getting it insured as distress and troubles related to it can surface at any moment. This often leads to heavy loss and asset deformation. Car insurance is the savior in such cases, through which you can get everything done right from all sorts of minor to major cases. Insurance policies offered by various companies in the market are featured with their own pros and cons, so it is advisable to go in subtle detail...
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5 Considerations to Finalize Your Family Health Plan

Every individual in a family strives to make life easier for his or her loved ones. While most people do the obvious by investing in savings for the future and life insurance, a large number of individuals do not give as much importance to health coverage. Have you considered the financial implications in case any member of your family has the misfortune of suffering from a critical illness? Medical costs are rising rapidly, making it increasingly difficult for families to afford the high costs of health care. Family health insurance policies have therefore become increasingly important, as Indians try to cope...
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How to Get a Home Loan?

For most people, buying a house is the biggest financial decision of their lives. And since it’s the biggest decision due to large amounts involved, most people end up availing home loans to realize this dream. Lenders are more than willing to give money to potential home buyers as retail home loans are among the safest loans for lenders too.   But before you apply for the home loan, you need to understand how to get a home loan and also do your homework thoroughly.   The very first thing to ascertain is the amount needed. Now you might want to purchase a house worth Rs 30 lacs. But generally,...
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