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Have I invested in the right equity mutual funds?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

ET Explains: What's making the pass-through of RBI's policy decisions sticky

The issue of lack of monetary transmission hasn't cropped up suddenly and is something that has been a matter of concern for the RBI in ensuring the pass-through of its policy decisions. The matter snowballed in the last few months after the RBI observed that the effects of its rate cuts are not being felt in terms of interest rates coming down.

What is the maximum age limit to open a PPF account?

The lock-in period for PPF account holder remains at 15 years irrespective of the age at which you open the account. On maturity, the account can be extended by blocks of 5 years any number of times. Banks cannot deny the extension based on your age.

What are the best investment avenues for a millennial to invest Rs 10,000 per month?

If you have a fixed timeline and wish to go with a low-risk product, then invest Rs 10000 per month in a low duration debt fund or open a recurring deposit a/c. A low duration debt fund has no exit load and the money can be withdrawn whenever needed.

Should I continue to invest in ICICI Prudential Value Discovery Fund?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

RBI urges government to cut rates on small savings schemes

The RBI has urged the government to move forward on reducing interest rates on small savings schemes such as public provident fund (PPF) and post office deposits, to help banks pare rates on deposits and loans and lead to a better transmission of the central bank’s rate cuts.

How PPF account works

She accumulated Rs 32 lakh and thought she was investing, but she wasn’t…

A 30-year-old investor meets a financial planner. She wanted to make sure that she is investing right. What transpired between them make for a good reading.

Women are 'recklessly cautious' with savings, prefer to park money in FD, PPF: Survey

The survey said nearly 44 per cent of the women said easy access to their money is important to them when they save or invest their hard earned money.

How a Public Provident Fund (PPF) account works

PPF accounts have a lock-in of 15 years. On maturity, the investor has the option of taking any one of the following steps- either withdraw the proceeds and close the account or continue the account for a block of five years.

Family finance: Prakashs need to speed up investment, revamp insurance portfolio to achieve goals

For retirement, the couple has estimated a need of Rs 4.6 crore in 12 years and can assign their EPF, NPS, stocks and mutual funds. Their other goals include building an emergency corpus, taking a vacation and saving for their son’s wedding.

Can a senior citizen invest in PPF?

The only restriction is that an individual is permitted to open and operate only one PPF account at a time.

Will these mutual funds help me to build a retirement corpus of Rs 45 lakh?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

How to treat your money with care, respect

Money makes the journey of life somewhat smooth and bearable. Treat it with the care. Here are four ways to treat your money with care and respect that it deserves to avoid the regrets in handling your money.

PPF, NSC, SSY and other small savings schemes' interest rates remain unchanged

All small savings schemes including PPF, NSC, SSY and others will continue to fetch the same interest rate between October and December quarter of FY 2019-20.

PPF, NSC rates may be lowered after RBI move

The finance ministry had agreed to move to a market-linked regime for small savings schemes.

How should I invest my savings for my child's education?

To create a corpus for your higher education— around 15 years from now—invest your money in mutual funds schemes. You must also review and rebalance your portfolio regularly and do increase SIPs by 10 percent yearly to combat inflation.

Family finance: Kolkata-based Sarkars need to defer few goals, revamp insurance portfolio

Kolkata-based Sarkars will have to defer some of their goals and revamp the insurance portfolio. Their goals include building an emergency corpus, buying a car and a house, taking a vacation, saving for the child’s education, wedding, and retirement.

Am I investing right to create a corpus of Rs 50 lakh by 2039?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Can you claim deduction under section 80C for PPF contribution made into your major son's account?

According to current income tax laws, investment under section 80C allows a deduction up to Rs 1.5 lakh in a financial year.

Family finance: Headstart in financial planning gives Sadekars enough time to meet goals

A headstart in planning gives Pune-based Sadekars a long time horizon despite deferring some goals. Their goals include building an emergency corpus, saving for their future child's education and wedding, buying a car and building a retirement kitty.

India Post launches mobile banking facility for savings accounts

According to the circular, the facility will be available from October 15 for all the post office savings account holders of the CBS post offices.

Should I invest in mid cap, multi cap, or index fund?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Should I extend my PPF account post maturity or shift to debt mutual funds?

"Whether to extend or redeem your PPF account will be best answered by your financial adviser who is familiar with your financial situation."

Where should I invest Rs 30 lakh to generate monthly income of Rs 20,000?

You should split the Rs 30 lakh between a mix of government-backed schemes, mutual funds and corporate fixed deposits. Park Rs 4.5 lakh in a Post Office Monthly Income Scheme. This will earn you a 7.6 percent interest per annum, payable monthly.

ELSS funds to create education corpus for children

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

How should I invest my monthly surplus savings?

​​You can put some amount in Fixed Deposits and some amount in equity as well as in debt-oriented mutual funds. Buy an individual health cover with a sum assured of at least Rs 5 lakh.

How to open a PPF account for a minor

How to use India Post mobile app to access your post office savings accounts

This app can be used by only those customers who have an account in core banking enabled post office. KYC of the account should be complete beforehand. The account should have internet banking and mobile banking services enabled.

Diabetes health insurance is expensive. Here's a 4-point guide to manage related costs

Diabetes-specific plans are expensive. The downside of generic health plans is the longer waiting period. Besides the price it exacts on your health, diabetes also places enormous strain on finances. Find out ways to mitigate the financial burden.

Family finance: Navi Mumbai-based Santosh should align investments to achieve goals with ease

Their goals include building an emergency corpus, saving for their future child's education and wedding, buying a car and building a retirement kitty.

PPF, SCSS, post office savings schemes: Rules for death claims relaxed

The Department of Post has, via an order dated, May 20, 2019, amended the powers of various authorities to sanction claims of heirs of deceased people.

How to deposit money online in PPF account

The best way to make use of these online methods of payment is to deposit your money before the fifth of every month.

Will these mutual funds help me to fund my child’s education, marriage

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Family finance: Mehrotra's lack of surplus means he will have to defer some goals

Saket Mehrotra is a 26 year-old CA from Kolkata. His goals include building emergency corpus, buying a car and house, taking an annual vacation, saving for his future child’s education and wedding, own retirement. Here's what the financial planner recommends.

How to open a PPF account for your minor child

An individual with a PPF account of his own and as a guardian of his child can avail a maximum deduction of Rs 1.5 lakh taking both the accounts together.

Does my DIY mutual fund portfolio need any changes?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

How to invest Rs 2 crore to earn monthly income of Rs 2 lakh

To earn an income of Rs 2 lakh per month or Rs 24 lakh per annum from the corpus of Rs 2 crore, you must return of 12 per cent. However, there is no fixed income instrument that can currently offer you such rate of return.

How a newly married couple can manage their expenses and savings

​​It might be helpful if the couple are able to discuss how much they would contribute to a common pool of expenses and how much they would save.

How to open PPF account online in SBI, PNB, ICICI Bank, or HDFC Bank

To open a PPF account online in one of these Banks, you need to have access to the bank's Net banking portal.

Stockbrokers up for a shakeup, and there is a Buffett hand in it

Discount brokers have already changed the industry and intensified the quest for lower fees.

Has my brother chosen the right mutual funds?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Family finance: Salaried Reddy needs to stagger money goals and buy life insurance

The couple's goals include building a contingency corpus, buying a car and taking a vacation, saving for their kids’ education and weddings, and their retirement.

How to build a corpus of Rs 5 crore in 25 years?

" Balance the risk-reward ratio by opting for a well-diversified bag of equity and debt funds to achieve your target corpus."

Family finance: Why this salaried couple will have to put off some of their financial goals

This Bengaluru-based couple has many financial goals. According to the financial planner, they will have to increase their equity exposure and secure their risks.

Can I continue to invest in PPF, Sukanya Samriddhi Yojna, mutual fund SIPs after I relocate abroad?

NRIs can't invest in PPF. So far as SIPs are concerned, whether you can continue with them will depend on the particular mutual fund.

Family finance: Why the Dutts need to increase equity in their investment portfolio

The couple's goals include building a contingency corpus, buying a car, saving for their child’s higher education and wedding, and their own retirement.

How to give your children a head start in investing

Parents can transform the lives of their children if they give them the right financial advice in their formative years itself. They must also lead by example. They can’t be splurging themselves and expecting their kids to be prudent with money.

How to partially withdraw from your PPF

One is allowed to withdraw up to 50% of the PPF account balance after completion of five years from the end of the subscription year. Withdrawals are tax-free.

I have nothing to save after paying EMIs, household expenses. How should I manage my financial concerns?

"Currently, your rent and expenses are eating away the bulk of your income. Household and other expenses will only rise."

MF portfolio doctor: Singh must increase all SIPs by 10% every year to reach goals

Nalini Singh is investing in four equity funds to buy a house. Here’s why the doctor has advised her to increase investments or take a loan for this financial goal.

Investing in PPF? Here's why you should do it before 5th of the month

According to PPF Rules, the interest on PPF deposits is calculated on the minimum balance between the fifth and at the end of the month.

RBI repo rate cut: Cheer for borrowers but interest rate on FDs likely to fall further

This cut is sweeter for new borrowers as banks are supposed to link all new floating rate loans to four external benchmarks specified by RBI from October 1.

Can these mutual funds help me create Rs 3 crore in 15 years?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

I want to save Rs 50 lakh to buy a house in next 20 years. How should I plan my investments?

Do not churn your portfolio or sell funds based on short-term performance. However, you should review the portfolio annually.

How to calculate interest on PPF balance

According to PPF rules, the interest is calculated on a monthly basis but it is credited into the account at the end of financial year on March 31.

By investing Rs 3,000 a month can these mutual funds help me create Rs 1-2 crore in 19 years?

If you are open to looking at other products, allocate the amount needed for tax saving to the PPF and keep your mutual fund portfolio in open-ended schemes

How to open an online PPF account with SBI

The tax benefit on amount invested, a tax-free return on maturity and the backing of the government on the account balance, makes PPF a rock-solid investment.

Are my three mutual funds performing well?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Interest rates are falling: Retirees need to lock into higher rates now

Use the gap between the fall in 10-year yield and fall in yields of other products to lock into higher rates.

Family finance: Salaried Shravan should secure risks adequately to achieve money goals

By utilising his existing resources and securing risks adequately, Shravan can ensure a smooth journey.

Best mutual funds to build corpus for son’s education, marriage

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

NPS 1-year returns in high teens. Should you invest?

A sustained decline in bond yields has pushed up NPS returns. Gilt funds earned 17-20% in past one year.

How to revive inactive PPF, recurring deposit, Sukanya Samridhhi accounts, insurance policies

Sometimes, you can lose track of or control on some of your investments and they may end-up becoming inactive. Here's how you can revive some of these dormant investments.

Should I invest in PPF and post office for my son?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Money matters: Alia Bhatt swears by FDs, bonds; prefers land to gold

One of India’s highest-paid celebrities says she has no one qualms about living on a budget.

What to do with your PPF account in India after becoming an NRI

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.

Will these mutual funds help us to achieve our goals?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Family finance: Kumar should buy adequate insurance, step up investment to achieve his goals

Besides investing in line with his goals, Bengaluru-based Kumar should buy adequate insurance.

How to build a corpus of Rs 5 crore in the next 20 years?

Broadly, a large-cap, mid-cap and multi-cap fund with around 80% allocation should be sufficient for one’s core portfolio.

Family finance: Why Senthil need not make fresh investment to achieve money goals

His goals include building an emergency corpus, buying a car, saving for his children’s education and weddings, and his own retirement.

Using dips to invest in ELSS

Investing in ELSS is one of the ways an investor can save tax under Section 80C.

Will investing in ELSS during sharp market falls offer more returns?

Investors can choose between the dividend option or growth option.

Family finance: Krishna needs to quickly invest high surplus to meet all goals

Simple goals and high investible surplus mean that Hyderabad-based Krishna will achieve all his goals.

PPF and Sukanya Samriddhi interest rates kept unchanged; 1-year post office time deposits interest hiked

According to a circular issued by the Finance Ministry, interest rates of small savings schemes like PPF and Sukanya Samriddhi Yojana have been kept unchanged.

Why opening PPF account for minors can be beneficial for them

Once your kid has become an adult and the account has completed its mandatory lock-in period of 15 years, he/she can decide whether to close the account or extend it.

How to revive a discontinued PPF account

In case a PPF account holder fails to contribute the minimum amount in any financial year, the account is treated as discontinued.

Best mutual funds to invest for 10 to 15 years

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Tax saving options under section 80C: Features explained

You can save tax if you understand how these tax saving options work.

How to transfer your PPF account

Both bank and post office PPF account holders can transfer can transfer their account from one account office to another accounts office, according to PPF rules.

You must protect your financial goals amid current market volatility: Here's how

Given the current market volatility, you would do well to create a cushion for your crucial goals. Find out how.

Family finance: Mahajans need to reduce debt to achieve their financial goals

Ahmedabad-based Mahajan's goals include building an emergency corpus, saving for their kids’ education and weddings, and their own retirement.

How to open PPF account online

To make the account opening process easier and more accessible, it is now possible to open PPF accounts online. This facility is available only with banks.

Should I continue to invest in UTI Treasury Advantage Fund post DHFL bonds downgrade?

"The likelihood of an upgrade in the near term is remote unless there’s a strategic stake sale, which seems difficult in the current climate."

Your PPF account may become irregular: Here's how

Regularising a PPF account is a long-drawn process, it is better to avoid seeing it go irregular.

In need of emergency funds? You can take a loan against these 10 financial assets

Here is the list of 10 assets against which you can take a loan instead of depending on personal loans.

Where to invest now when interest rates are falling

A look at the options available to senior citizens/retirees who depend on it to meet their financial needs.

Disillusioned with debt MFs? Catch post office schemes' high interest rates before June 30

The small savings rates may be revised downwards at the reset date post June 30 as not only has the RBI cut the repo rate but also the 10-year G sec yield has declined.

Which mutual fund schemes should I choose to invest for 10 years?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Things you should know when your PPF matures

Completion of 15 years of the account takes place from 1 April of the year following the date of opening of the account.

Proposed PPF changes to benefit investors

The Government Savings Certificates Act, 1959 and the PPF Act, 1968 are proposed to be merged with the Government Savings Banks Act, 1873.

How to extend PPF account after it matures

Although Public Provident Fund has a lock-in period of 15 years you have the option to take a loan against it or make partial withdrawals during its tenure.

Government cuts interest rate on small savings schemes by 0.1%

Interest rates on small savings schemes is reset before each quarter and depends on government bond yields in the previous quarter.

Here's why you should not ignore investing in fixed income

Even the most diehard equity fans must have at least some fixed income investments. Only by maintaining the preferred asset allocation, your portfolio returns will be relatively stable.

Family finance: Businessman Mathur needs to build a bigger emergency corpus

Apart from building an emergency corpus, Vishvas Mathur's other goals include saving for his child’s education and wedding, and retirement.

Family finance: Why Vermas should stagger their financial goals and secure risks

Since buying a house is a priority for Pune-based Vermas, they should push back other goals for now.

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