Page 4 - Personal Finance

Employee stock options: Postpone sale of shares if firm plans to list

Extend holding period so that you pay tax on long-term capital gains as it will reduce the outgo

NRIs should apply to I-T dept for relief from double taxation: Experts

If they have lost non-resident status because of enforced stay in India, this can bring them some reprieve

Use only 'mad money' to invest in fads

Investors with a compulsive need to participate in any ongoing action should do so by having a 'mad money' allocation-money they can afford to lose

Split portfolio into various segments to keep cash flow at retirement

Use equities to keep your wealth growing, fixed-income instruments and annuities to generate cash flow

Insurer must pay declared value for total loss

The National Commission agreed with the State Commission's view that neither party had managed to prove that the price mentioned by them was the last market price

GIFT City route to international equities promises greater security

Only sophisticated investors should take this route; most retail investors should stick to the mutual fund route for international investing

Investors should use correction to build exposure to gold: Analysts

Your portfolio needs a hedge against the risks of growth slowdown and inflation

US-focused funds can deliver despite long bull run, say analysts

Invest with at least a seven-year horizon, via SIP, and limit exposure to 15%

Defer income-tax filing if you have to pay a penalty, say analysts

Do so once the glitches on the new tax portal have been ironed out

Invest in equal-weight index to reduce concentration risk: Analysts

Begin with a 50:50 allocation to Nifty50 & Nifty50 Equal Weight index fund

Regulations key to orderly growth of microfinance

The RBI's CD defines microfinance clients based on the current household income limit applicable for NBFC-MFIs

Going abroad for studies? Student policies from Indian insurers are cheaper

If you buy from them, and not from a university-approved insurer, make sure the policy meets all specifications

Include cryptocurrency gains in income-tax returns, say analysts

Treat it as capital gain if you buy and hold; as business income if you trade frequently

NPS fund managers have more choices as investment universe expands

Investment advisors are not comfortable with the idea of a retirement product like NPS investing in IPOs

Opt for exchange-traded funds with low-impact cost, say analysts

To avoid the challenge of buying ETFs at the right price, choose index funds

Risk-return profiles can vary a lot among balanced advantage funds

Before investing, check the fund's returns during market crash

Avoid locking into corporate FDs of longer tenures, say analysts

Deterioration risk in credit profile increases, and better rates may become available a year later

Compensation payable for not complying with court order

The National Commission held that flouting of the High Court's directions constituted a deficiency in service for which Bhupati could seek remedy under the Consumer Protection Act

Index funds under focus as Navi MF looks to disrupt the market

NFO for Navi Nifty 50 Index Fund opens July 3; scheme will have expense ratio of just 0.06% under the direct plan and 0.26% under regular plan which is bought through an intermediary

Will you be rich?

On doing the math, I discovered I would be able to achieve most of my goals provided I made some adjustments and invested more resources