11 signs that show you are falling into a debt trap

THE ECONOMIC TIMES Tue, Mar 26, 2019 | 06:30 AM IST ET Wealth Newsletter

WHAT'S HOT #RERA,#sukanya samriddhi yojana calculator,#alternative investment returns monitor,#realty hot spot series,#stock pick of the week,#mf portfolio doctor,#family finance

11 signs that show you are falling into a debt trap You may land in a debt trap without even realising it. Here are a few warning signs to note, before it is too late. 4 financial opportunities to grab before March 31 Some taxpayers might not have been able to complete their tax planning for the year. If you are among them, don't panic. Invest in these tax-saving schemes by March 31 to keep your accounts active Here is a look at the minimum amount you need to invest in some schemes to keep them active and what happens if it is not done. Few people actually know how much return their investments in different assets are giving Many investors don't have a clear understanding of fundamental concepts like returns. However, they cannot be blamed for it. Can EMR improve Apollo Hospitals' ROI? Going for a digitised-records platform is a pioneering move. But can it raise the hospital's ROI? How Udacity is training students for future jobs The demand for engineers skilled in the technologies of the future is billowing, but conventional colleges are ill-equipped to train students for these. Ed-tech unicorn Udacity is trying to bridge that gap with its short online courses, or nanodegrees. Offline Aadhaar ticks KYC, leaves grey areas Grey areas remain in conducting KYC with offline Aadhaar — the inherent risk of several identical files floating around; the hardware and software required to read the files; and the need to share the digital file and the share code with intermediaries. From our Partners AI-powered video interviews are transforming the future of HR From our Partners Transforming Learning and Development with Virtual Assessment Centres How to get out of a debt trap Difficult though it is to get out of debt trap, there are some steps you can take to get out of the debt mire. 3 money lessons that will make your child a financially wise adult Provide an allowance specific to the expenses of the child and the leeway to make decisions with it. They will understand how to apportion the money between competing demands. Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) JM Core 11 Direct Plan-Growth 5.14 9.66 11.96 21.87 JM Core 11 Fund-Growth 4.97 8.66 10.49 20.30 Reliance Large Cap Fund Direct-Growth 5.90 4.14 13.88 17.19 Axis Bluechip Fund Direct Plan-Growth 2.41 3.44 15.80 16.35 ICICI Prudential Bluechip Fund Direct-Growth 4.28 0.76 9.68 15.96 FeaturedMirae Asset India Equity Fund Regular- Growth ★★★★★ 4.95 3.50 12.62 17.42 Start SIP Buy, sell, hold: Dividend yield of a stock can help you with your investment decision ET Wealth finds that the Sensex dividend yield (annual dividend as a percentage of the share price), continues to be a good indicator for investors. How rising long-term bond yields can impact your equity, debt investments Long-term government bond yields have been rising, which will affect your equity and debt investments.

FEATURED SLIDESHOWS

Documents to collect before this FY ends 9 steps to spring clean your finances every March 5 taxable allowances for employees Reading your NPS transaction statement More Slideshows

Financial Calculators New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds. 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.

What is Smallcase? Should you invest in stocks via these? Brokerages are now offering a theme-based, curated portfolio of stocks that give investors greater control. How to plan your finances if you are taking a sabbatical When taking a break from your job to study further, there are a lot of things that you will need to service which your education loan will not cover. Here's how to plan these. What is an index fund? Index funds fall under the passive investment strategy as they do not try to beat the benchmark but just replicate the performance of the index. Things to know before investing in REITs An investor can apply for investment in REITs through his demat account, either online or by filling up the IPO form and indicating demat account details. 6 handy tools to run your business from home While it has become easy to start a small business these days, the day-to-day management can be tough. ET Wealth lists useful tools that can make the running process smooth. Realty hot spot series: Sea-facing properties a big draw of this Mumbai suburb Bandra (West)- Linking Road is sought after for its good schools, hospitals and retail outlets. The social infrastructure is a highlight, as is the availability of premium sea-facing properties. Tax optimiser: Perks, medical cover can help salaried Shah save about Rs 13,000 in tax Instead of relying on the group health cover provided by your employer, buy a separate health insurance for your family. This will cut your tax significantly. Family finance: Thane-based Danges can meet primary goals easily, but need to secure risks Though the Danges have a high amount of surplus and have saved aggressively, they should put off buying another house and taking a vacation for now. MF portfolio doctor: Early start, systematic investing can secure this couple's financial goals When investing for multiple financial goals, starting early is the first and perhaps the most important step. Debt investments and Provident Fund can fund retirement. Stock pick of the week: Why analysts are bullish on Prestige Estates Aggressive plans to launch new projects, new GST rates for under-construction properties, possibility of paring its debt and reasonable valuations have made Prestige analysts' top pick. Investor temperament should not change in tough phases: Vinit Sambre, DSP Mutual Fund "Investors want to invest more when the market is high and pull out money when the market is down."

More Newsletters

ET Mutual Fund A weekly round-up of the top news and views

Markets Watch Round up of stock, currency, bond, money and real estate market

Daily Newsletter Special stories that round up the major developments of the day

View All

Follow Us on ET:

About us|Advertise with us|Feedback|Sitemap|Code of Ethics © 2019 Times Internet Limited.

To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here

To unsubscribe or edit your subscriptions please click here

ETPrime Women Leadership Awards 2019

Dear Reader, We write to invite you to the felicitation ceremony of the inaugural edition of ETPrime Women Leadership Awards that recognise women leaders who exemplify the spirit of entrepreneurship, innovation and excellence. Accenture is the Presenting Sponsor and Accord India, the Knowledge Partner of the awards. The inaugural edition of the awards has a distinguished jury comprising of Ms Aisha De Sequeira (Co-Country Head and Head of Investment Banking - India, Morgan Stanley), Ms Debjani Ghosh (President, Nasscom), Mr Deep Kalra (Founder and CEO Make My Trip.com), Mr Gautam Sinha (CEO, Times Internet Limited), Ms Kaku Nakhate (President & India Country Head, Bank of America), Ms Meena Ganesh (CEO and Managing Director, Portea Medical), Ms Naina Lal Kidwai (Chairman, Altico Capital India Ltd) and Ms Rekha M Menon (Chairman and Senior Managing Director, Accenture India). These awards will set a benchmark for successful women in business and inspire millions to come forward and wield the baton of excellence. The felicitation ceremony on 29 March 2019 at Taj Lands End, Mumbai with leaders of India Inc. in attendance, will recognise women leaders across 14 categories for their exemplary work, be an evening of thought provoking discussions, and an opportunity to meet the winners. Invitations to the awards are limited. Should you wish to attend the event, please click here to share your details. Please feel free to reach out to us at etpwla@economictimes.com in case of any query. Regards, The Economic Times Digital

This is an automatically generated email, please do not reply. Please write to us at etpwla@economictimes.com in case of any query. To ensure that you continue receiving emails, please add etnotifications@indiatimes.com to your address book. To unsubscribe please click here Copyright © 2019 Times Internet Ltd. All rights reserved.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Don't wait till March 31 to finish your tax saving exercise: Here's why

THE ECONOMIC TIMES Sat, Mar 23, 2019 | 11:52 AM IST Tax-saving guide

6 online tax-saving investments for late-starters The equity-linked savings scheme (ELSS) is a product where you can make online investments up till 3PM on the day when stock market is open. Invest in these schemes now to keep your accounts active Here is a look at the minimum amount you need to invest in some schemes to keep them active and what happens if it is not done. Don't wait till March 31 to invest for tax saving If there are glitches, your investment may happen on a date post-March 31. Consequently, you won't be able to claim tax benefit in the current fiscal. Go online to make tax saving investments Investing in a tax saving instrument through cheque especially during the last few days of the financial year, may get held up due to various reasons. How much tax can you save? Read on to find out The amount of tax you can save via tax-saving investments and expenditures depends on the tax bracket you fall in after claiming all the deductions you are eligible for. 6 fixed income investments to help you save tax under 80C Long-term debt investments should form a part of every investor's portfolio to maintain stability, especially during economic volatility. Things to consider while picking an ELSS scheme Look at the portfolios of the ELSS schemes and ensure that the ones you have selected have varied allocation to different sectors and stocks. Should you invest in NSC or 5-year bank FD? NSC and tax-saving FDs have certain common features. However, there are certain differences between the two which, give an advantage to NSCs over tax-saving FDs. Know the rules and benefits of investing in PPF With interest rates fixed income investments coming down, PPF remains a suitable alternative for allocating debt portion of one's portfolio. 7 lesser-known investments, expenditures eligible for tax breaks Did you know you that can claim tax deduction on stamp duty? Here are other tricks that can help you cut tax.

More Newsletters

Daily Newsletter Special stories that round up the major developments of the day

ET Mutual Fund A weekly round-up of the top news and views from the mutual fund industry

ET Investment Opportunities Property, Stocks, IPOs, NFOs, Mutual Funds and latest investment options in your inbox

Wealth Weekly news on personal finance, stocks, property, gold, tax planning and more

FOLLOW US ON ET

About us|Advertise with us|Feedback|Sitemap|Code of Ethics © 2019 Times Internet Limited.

To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here

To unsubscribe or edit your subscriptions please click here