Can you get better returns by timing the stock market?

THE ECONOMIC TIMES Tue, Jul 19, 2016 | 08:01 AM IST ET Wealth Newsletter

WHAT'S HOT #HowtofileTaxReturns, #HealthInsurance, #TermInsurance

Can you get better returns by timing the stock market? A study reveals that regular investing, coupled with a long-term outlook, tend to yield better returns than timing the market. Are you fit to invest in stocks? To succeed, an investor must have the right temperament and reasonable expectations from the market. Tax mistakes to avoid if you switched jobs last year If you also have two Form 16s, do not forget to add the income from the two employers when you file your return. Is it time for debt MF investors to switch from long term funds? Declining yields mean bond prices are inching upwards, since bond prices and yields move in opposite directions. Where does that leave investors in bond funds? From our Partners Are you financially literate? Find out how clear you are about investing Though the financial services industry claims that it is spreading investor awareness, a significant percentage of educated Indians remain financially illiterate. From our Partners What is not covered by your motor insurance policy If you know anything about insurance policies, you know that nothing in that cover comes without an asterisk mark. While what is covered is written in big and bold, the exclusions, terms and conditions are often in fine print and also loaded with jargon. Your car insurance policy isn't any different. Clear up previous years' pending tax demands to ensure smooth refunds in future Check the status of previous years' returns to avoid foregoing refunds because of pending demands. How working youngsters can save while living away from home Young working individuals living away on their own tend to be poor money managers. With a little planning, they can save a lot. Why women need to financially plan retirement better than men Higher life expectancy, lower pay and fewer work years necessitate thorough planning. Should you invest in high yield NCDs? While NCDs have an advantage over corporate FDs, investors should tread with caution. From our Partners How to customize your life insurance policy with riders Riders are additional yet optional benefits in a life insurance policy and provide a financial cover over and above the basic sum assured. From our Partners How to be on the right side of debt Over-dependence on credit cards to meet day-to-day expenses may lead to a debt trap and if not managed properly, the damage can soon become irreversible. Here's how to use plastic money and still remain debt-free.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Should celebrities be barred from endorsing insurance? Sebi does not allow fund houses to use celebrity endorsements to promote mutual funds. This is done to avoid possible mis-selling of a product. Real estate: Should you opt for a 'book now and pay later' scheme? In this day and age where project delays and loan defaults by developers have become the norm, it is important to tread cautiously on such schemes Draw less, earn more than inflation on corpus for a financially secure retirement It is not only about protecting your funds. You have to invest and make it grow if you want the money to last and fight inflation, says Uma Shashikant. Kids pocket money up 100% since 2012: Turner International India study The study covered 6,690 respondents, including 7-14 year kids and parents of 4-14. Delhi-based Sachdeva can halve tax outgo by revamping pay structure, buying medical insurance Tax optimizer: How to restructure income, investments and expenses to optimise tax. US FDA nod for new units, cost cutting make Dishman Pharmaceuticals stock analysts' favourite With the ground work for growth in place, Dishman may soon become a mid-cap company. SBI Contra Fund: Beats benchmark, but lags peers The fund leans heavily towards large-caps compared to many of its peers in the multi-cap space which are mid-cap oriented. Smart things to know about pledging your MF units Here are a few smart things to know about MFs. Mutual fund investments: How to 'pause' your SIP An SIP is designed to continue till the end date mentioned in the application form. A few MFs now offer the option to 'pause' the investment for a limited period. 8 ways to use pay hike to increase financial security The incomes of government employees and pensioners will rise next month. Here are eight suggestions on how to handle this sudden flush of liquidity. Number of Indian HNIs grew 55% from 2007 to 2015: New World Wealth report "We expect the number of Indian HNIs to grow by 135%, to reach around 5,54,000 by 2025," the report stated. RBI asks banks to exchange up to 20 soiled notes with max value Rs 5000 free of cost In case notes are presented in bulk banks will accept them, against a receipt, for the value to be credited later. Startup CredR's online marketplace is zooming on used two-wheelers This Mumbai-based startup, less than two years in operation, has seen a sharp growth. 27-year-old Chawla needs to stagger goals in line with available surplus Chawla will need to match her clarity of goals with a disciplined investment regimen. No form 16 yet? You can still file your income tax returns With the tax-filing deadline closing in and no sign of Form 16 yet, it is best to gather all your documents, calculate your liability and file returns. Alternative investment returns monitor: For week ending 13 July, 2016 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. Tax mistakes to avoid if you switched jobs last year If you also have two Form 16s, do not forget to add the income from the two employers when you file your return.

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