How to resolve financial differences with adult children

THE ECONOMIC TIMES Tue, Nov 26, 2019 | 08:34 AM IST ET Wealth Newsletter

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How to resolve financial differences with adult children During the child's physical progression from toddler to teenager and adulthood, the emotional weft starts to wear thin due to the increase in financial strain. The financial instruments intended to bind the child to parent serve to sever the ties. Buying life insurance policy? Here's why you should wait till December 1 There is a reason why insurance agents are pushing policyholders to buy policies before 30 November. When is the right time to sell your mutual fund investments? Good reasons to sell tend to be about the investor's finances and wrong reasons tend to be about the fund. The pros and cons of RCEP pullout Although benefits from the deal seem to be negligible, India might have missed a big opportunity. What's choking India's consumption Certain regions and product categories have stayed resilient, but working-capital pressure is high. Can Treebo ward off SoftBank-backed Oyo? Keeping cash burn below INR2 crore a month, the hotel-chain battles its well-funded rival. From our Partners Join us in the 3rd edition of the most sought after Capital Market event of the year! From our Partners Evolving Change in Consumer Behaviour for Individual Lending Bureau Score Evolution – Capturing the changing retail lending landscape | Interpreting the bureau scores as evolved over time | How the CreditVision® Score works? India's 10 richest people: How much they lost and gained in the past one year Did you know that Mukesh Ambani's networth is equal to 2.1% of India's GDP? And even after losing 10% of his networth, Lakshmi Mittal is still worth $12.4 billion? Read on to see how much India's 10 richest men gained and lost in the past year. These 6 companies with falling deferred tax liability can be good stock investments Declining deferred tax liability have a positive effect on share prices or returns and vice-versa. The reason is increased DTLs lead to a surge in future cash obligations, which limit the amount available for distribution to the shareholders. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 20.91 23.29 7.91 1.90 Invest Now Axis Bluechip Fund-Growth ★★★★★ 19.38 21.80 7.30 1.80 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 16.84 19.06 6.62 2.72 Invest Now Mirae Asset Large Cap Fund Direct- Growth ★★★★★ 16.80 16.30 4.40 4.76 Start SIP JM Core 11 Direct Plan-Growth ★★★★★ 16.12 16.77 4.00 -0.30 FeaturedDSP 10Y G-Sec Fund Direct-Growth ★★★★★ 6.09 13.91 7.76 1.05 Start SIP Should a woman opt for lump sum or periodical alimony payments? Alimony would be given after the legal separation, either as a lump sum or a periodic fixed payment. A regular fixed payout may stop or get delayed due to reasons like husband's loss of job or death. Moreover, the lump sum amount is not taxable. 7 things you should know to ace campus placements As the campus placement season has kicked off, the discussion around jobs seems to be occupying most of your time. There might be added pressure of expectations too. However, worry not as there is a right way to approach it. Here's how.

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How Sensex, gold, US dollar, 10-year G-sec performed during week ending Nov 21, 2019 Here's a weekly tracker of returns that will keep you updated on how the stock market index, gold prices, US-Dollar vis-a-vis INR and bond yields have performed. This will give investors an idea of how their investments performed over a long period. These emotional decisions to help adult children financially are bad If your adult child refuses to live separately and stays with you on the plea that he is concerned about your welfare, make sure that he does not depend on you financially. Let him fully finance his lifestyle without dipping into your savings. How financial training in childhood impacts money behaviour of adults If you are facing a financial crisis and explain it to children, they will not only learn how to deal with emergencies but also how to prevent them, without running to you. Even over the long term, mutual fund outperformance hinges on just a few critical months Critical months are those months, which if removed from the return series, would eliminate an investment's outperformance over its benchmark. A recent study found that outperformance typically comes in short bursts, rendering timing a futile exercise. How you can take charge of your personal finances While we all assume that good personal financial habits are easy to acquire and live by, what we see around us does not confirm that notion. For instance, data shows participation in securities markets and mutual funds is at best marginal. How to make your child grow into a financially self-reliant adult Once your child gets a job, let them invest on their own. Do not do it on their behalf. While buying a house, do not take a joint loan or buy it for them. Let them conduct all the formalities and carry out the actual process of buying on their own. What should an investor do when their mutual fund manager quits? Though asset management companies insist systems and processes followed by them are more important than individuals, the fact is a fund manager's contribution to scheme performance is high. So how should investors react to a fund manager's exit? Everything a pensioner needs to know about submitting Jeevan Pramaan Patra online If you are a pensioner, November is the month you will be planning a visit to your bank or post office to submit your Jeevan Pramaan Patra or life certificate. The government has now provided an online platform to submit the certificate online. Stock pick of the week: Phoenix Mills is beating the odds, despite weakness in consumption space Phoenix was able to report decent numbers for the 2nd quarter despite weakness in the consumption space. With the construction of its 5 malls nearing end, the company is expected to report better numbers. This has made it a favourite of analysts. MF portfolio doctor: 'Investing' in insurance is a drag on Thomas' returns The mutual fund portfolio doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regards to the money goals. The mutual fund portfolio doctor recommends corrective measures that you should take. Equity vs debt capital: Here are five things to know A company requires both equity and debt capital. Here are five things one should know about equity and debt capital. For instance, equity investors participate in the management of the business; debt investors do not.

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