Is home loan EMI jeopardising your other financial goals? Here's what to do

THE ECONOMIC TIMES Tue, May 23, 2017 | 06:33 AM IST ET Wealth Newsletter

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Is home loan EMI jeopardising your other financial goals? Here's what to do A large chunk of a household's monthly income is often eaten away by housing costs, leaving little for savings. Here is how to avoid falling into the trap. How risky is the equity market now? Past returns suggest that there is almost 50% probability of an investor incurring losses after a year from current valuation. How freelancers, corporates, startups can benefit from shared workspaces Shared workspaces or co-working spaces, a concept popular in the West, has taken root in India in sync with the rapid growth of startups. From our Partners Is your company making an impact on society? Read to find out How 2Good4Good establishes gold standard in ratings for CSR programs From our Partners Why is everyone talking about affordable housing? India's urban population is growing at an average 2.1% every year since 2015. Why you should avoid steel stocks The market has already priced-in the improving fundamentals of steel firms. ET Metal Index has spiked 63% over the past one year. Are you paying too much EMI for your house? Take this quiz and find out A huge home loan EMI could burn a hole in your pocket and leave you with no money for other expenses. Take this quiz and find out if you're falling into the trap. Should you invest in sector, thematic mutual funds? To succeed at sectoral investing, one must ensure complete understanding of the sector that one is planning to invest in. Are you fit to be an equity investor? If you want to be always in control and if you find it hard to admit that you are wrong, maybe you should stay away from investing in equity shares. From our Partners Toshiba, committed to 'Make in India' and 'Export from India' Toshiba, committed to 'Make in India' and 'Export from India' From our Partners How Mumbai's Dabbawalas are leveraging tech by offering digital services With the world and India taking digital leaps, the dabbawalla's too have found the need to embrace technology and offer click-based services.

Financial Calculators Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay. 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

Stock valuations are peaking, be cautious: Nimesh Shah, ICICI Prudential Mutual Fund Equity prices are soaring to all-time highs, driven by strong flows and we have experienced that flow-based markets often become volatile in the short term. Working in IT sector? Here's how to survive the lay-offs Multi-billion-dollar Indian IT services companies are cutting costs, hit by a double whammy of US politics and the fast-changing digital landscape. NPAs increasing in PSU banks: CARE Ratings Report CARE Ratings analyses the NPA trends of the 13 PSU banks after the results for the fourth quarter of 2016-17 are out. Here are the highlights. Why banks are betting on perpetual bonds Perpetual bonds issued by various banks and financial institutions have delivered up to 16-17% returns in the past year. Investors should understand the magic of SIPs in growing wealth SIPs can be magic for your investments, but don't treat them like just another buzzword. Understand their maths and their psychology. Stock pick of the week: Why analysts are saying Carborundum Universal margins will improve Strong fundamentals, rising electro mineral prices, likely growth in EPS—CAGR of 25% between 2016-17 and 2018-19—have made Carborundum analysts' top pick. Franklin India Smaller Companies Fund has beaten benchmark by good margin The fund has outperformed both the benchmark and the category average by a good margin. It has an impressive long-term track record. How to register NPS grievances Grievance redressal status can be viewed on the online CGMS by entering the token number issued at the time of registration of complaint. Markets still attractive for long-term investors : Jyoti Vaswani, Future Generali India Life Insurance Earnings so far paints an encouraging picture as far as demand revival is concerned: Jyoti Vaswani CIO, Future Generali India Life Insurance. MF portfolio doctor: Why Jayant should reduce the number of funds he holds How is your mutual fund portfolio doing? Not many investors are able to answer this. This section will provide the answer. Family Finance: Early start, disciplined savings to benefit Jadhavs Pune based Vicky & Sonali Jadhav, 31 & 29, salaried, needs to make fresh investments in equity funds to reach their goals. Our macro fundamentals are strengthening, so no worries: Anand Shah, BNP Paribas Mutual Fund There has been significant improvement in the macroeconomic conditions, primarily because of the proactive steps taken like reduction of subsidies etc. 5 smart things to know about duration of a bond Bonds have two main risks associated with them: credit risk and interest rate risk. Duration addresses the interest rate risk of a bond. Startup ConveGenius is trying to make education fun and affordable The startup builds mobile solutions with the aim of improving the quality of education and making it available to and affordable for students. Alternative investment returns monitor: For the week ending May 17, 2017 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments.

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