Wealth Stories
If you have a Rs 4.5 cr retirement corpus, can you get Rs 4 lakh monthly income?
For retirees looking to maximise their post-tax earnings, allocating a Rs 4.5 cr corpus into mutual funds is a viable option. Utilising a bucket strategy allows for an effective diversification across various fund types—liquid, debt, and equity—facilitating consistent income generation. This tactic not only mitigates tax exposure more efficiently than fixed deposits but also yields tax exemptions on capital gains.
- Shaghil Bilali
- THE ECONOMIC TIMES
Up to 50-yr income option hiding in plain sight
Long-tenure govt bonds, once largely available to institutional investors, are now accessible to individuals, offering the highest safety and predictable income for decades. Unlike an FD, they can also be sold at short notice — but the exit price may be higher or lower than purchase price
- Partha Sinha
- TNN
Leaving America is not the end of your US tax story
Stock options to retirement accounts, what returning Indians must settle before — and after — they land
- Abhinav Kaul
- THE ECONOMIC TIMES
Gold-Rich, Capital-Starved
India would have a current account surplus if it didn’t import gold as hungrily as it does. We have some 35,000 tonnes of it. Here are four ideas to convert this cache into liquidity and strategic strength
From saving to freedom: How Indians are rewriting wealth rules
Young Indians aren’t waiting until their 30s or 40s to start building wealth. Easy market access and new financial goals are creatinga generation of investors who start early and think differently
- Abhinav Kaul
- TNN
Big gap between kids? Why parents need smarter financial planning
Disciplined finances can help families with kids born years apart juggle childcare, education and retirement plans
Gold and silver’s rally is over. What’s next?
Experts advise against chasing rallies or exiting during corrections. Instead, maintain a strategic allocation and accumulate gold gradually through staggered investments. Silver, they say, is better suited to tactical investors
Before or after filing I-T returns: 7 checks that matter
Beyond late fees and interest, missing the deadline can narrow your tax choices and erase the future benefit of declared losses
Unlisted shares can multiply wealth. But you’ll need to factor in the risk
As NSE heads for a stellar IPO, early investors reveal the rewards, and risks, in their early journey
Filing ITR? Get your capital gains right
Tax rules have changed drastically in recent years, so follow these rules to report your capital gains for the year
What you need to know when choosing caregivers for parents
For those living away from home, elder care support has emerged as a critical service. With hundreds of companies now operating in the space, finding the right carer becomes key
- Riju Mehta
- TNN
Is India's love affair with gold changing?
The young are rewriting India’s old relationship with gold. From a sentimental asset idling in bank lockers, it is now an investment option, as soaring prices prompt people to sell and exchange heirloom jewellery
- Lijee PhilipShantanu Nandan Sharma
- THE ECONOMIC TIMES
Rs 20,000 SIP vs Rs 20,000 RD: Which monthly investment can generate higher returns in 5 years?
Monthly investments of Rs 20,000 in mutual fund SIPs and bank RDs are compared. SIPs offer potential for higher returns over five years, while RDs provide predictable outcomes. India Post RD offers 6.7% interest, yielding Rs 14.27 lakh after five years.
- Sneha Kulkarni
- THE ECONOMIC TIMES
Is your dream home costing you more than money?
Can you afford the EMI today? That's the question most buyers ask. The more important one is whether you'll still be able to afford the life you want tomorrow
You can now invest the 'Saatvik' way. Should you do it?
A new BSE index filters stocks through Saatvik principles, asking a question traditional market benchmarks usually leave aside — beyond returns, what businesses should your money support?
- Bhavika Jain
- TIMESOFINDIA.COM
Foreign income, overseas assets? Don’t miss these ITR disclosures
Income tax authorities have access to a wider pool of overseas financial information than most taxpayers realise. “Consequently, foreign bank accounts, investment portfolios, retirement accounts and overseas income streams are becoming far more visible than before,” according to an expert
5 numbers you should know for a comfortable retirement
Most Indians underestimate how long they will live, how much they will spend and how fiercely inflation will gnaw away at their savings. Here are five numbers that can help you do exactly that
- Babar Zaidi
- TNN
Bitcoin’s 50% crash: Buy the dip or stay away?
Does the current decline represent a normal correction or is it the beginning of a deeper bear market? This is what the experts say
- Abhinav Kaul
- TNN
Income mismatch to incorrect form: 7 mistakes to avoid this ITR season
Data-driven scrutiny using AI and other tools has become stricter, leaving little room for error. Here's what you need to watch for
Think property makes you rich? These 5 facts tell a different story
As per a 2017 RBI report, a typical middle-class Indian family puts 70-80% of its net worth into realty. No asset class would be considered a sound investment if an adviser suggested putting 80% of everything you own into one stock. Yet, this is precisely what real estate demands
- Rushabh Desai
- THE ECONOMIC TIMES