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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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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...
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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...
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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...
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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...
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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...
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