Tax saving investments for salaried professionals

taxsaving
A lot of times, we do not realise that as salaried professionals, we could lose out a lot of benefits due to ignorance. We end up paying more tax to the government than what is necessary. Here are a few ways in which we can save our taxes and improve ourselves financially: 1) Section 80C If you are invested in schemes like ELSS mutual funds, Provident funds, premium life insurance, home loan princ...
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Fixed Deposit vs. Fixed Maturity Plan

fd-orfixedmaturity
  FDs are a great way to invest money for investors who want assured returns. FMPs are close ended debt mutual funds where returns are not assured as in FDs. Both the plans have a fixed tenure. FMPs are ideal if you are looking to park your money temporarily. In simpler terms, FMPs are the mutual fund alternative to FDs. FMPs are closed ended funds and so investors can invest only when the fu...
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Why should you transfer PF account while changing jobs?

Why should you transfer PF account while changing jobs?
​ The main reason why we should transfer money from the PF account when changing jobs is that if we don't, the money in the account may get taxable. According to the Indian laws, the money from a PF account is tax-exempt only if the employee has served at least 5 years under the same employer. In case the worker transfers his job in between, then he must transfer his PF account to his new employer...
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Penny stocks – Good or bad for investment

pennystock
The term "Penny stock" originated in the US for stocks trading at a very low price, generally below $5 with low market capitalization. In the context of Indian stock market, the share price of penny stocks could usually be below Rupees 10. Penny stocks are assumed to have fluctuating share prices hence making them quite risky and unpredictable as far as investment in them is concerned. Most invest...
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Why should you choose SWP over dividend scheme?

​ Systematic Withdrawal Plan is a scheme where investors can withdraw a fixed amount of money from their funds periodically. The investor can customize the cash flow according to his wishes. The frequency of withdrawal is chosen by the investor. This is favorable for retired individuals who can generate income periodically with low-risk funds. Benefits of choosing SWP over dividends: Taxation bene...
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What is the ideal tenure of an STP?

stp_2
Investors who invest from their regular incomes usually opt for SIPs. But lump-sum investors are often advised so that they invest their money in an STP before transferring it to an equity fund. This necessarily means parking your money temporarily in a short term fund or a liquid fund before transferring it to a mutual fund. But how long do you stay invested in an STP? The answer is quite confusi...
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Why people are exiting their real estate investments?

real_estate
Of late, many investors have decided to quit their real estate investments and the percentage only keeps increasing. A lot of personal experiences and sentiments may be involved from the investors' side. But from a practical point of view, here are a few reasons which are invoking this mass exodus and investors are choosing to invest elsewhere: Changes in regulations: Real estate investors were al...
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Should I invest my capital gains in 54EC bonds?

capital gains 54 EC Tax saving
In the union budget of 2018, finance minister already proposed the plan of increasing the lock-in period of the investments within the capital gain tax exemption bonds up to the period of 5 years.This is under the section 54EC of Income Tax Act, 1961. The budgeting of 2017, already indicated about introducing more financial instruments which could save the tax over capital gains. Although, this ye...
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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.