Smart Money

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Always put a target date to your investment goalsPutting a target date to your investment goals will help you pick the right instruments.

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Why you should sort your taxes, investments at the start of the financial yearSorting your taxes, investments at the start of the financial year will save you grief later.

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Illustration by Anirban Ghosh
Why Voluntary Provident Fund (VPF) is still in your interestFor risk-free retirement savings, the Voluntary Provident Fund now scores over the Public Provident Fund.

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What digital bank accounts offerThe uncertain benefits of digital bank accounts.

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What you see and what you getThe new senior citizens' pension plan cuts out the uncertainty of changing interest rates.

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The price of easy moneyA loan on your credit card is deceptively easy. Use it only as a weapon of last resort.

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Bar code formulasBharatQR, the scan-based payment platform, is one more step towards a less-cash India.

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Where there is a willHere's everything you need to know about making a will and how can it be legal.

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Insurance covers at your fingertips As people stay hooked on to their smartphones, mobile apps have become a bankable way to attract consumers. Find out how.

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First-time home buyers have it goodFirst-time home buyers have it good but Budget 2017 has not been so kind to 'investors'.

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Bhim
No chhota Bhim, this: All about National Payment Corporation's BHIM appDigital transactions are becoming the new normal. We take a look at the National Payment Corporation's BHIM app.

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Mutual Funds
Should you invest in multi-cap funds?Over the past few years, multi-cap funds have done significantly better than large-cap funds, providing investors with a portfolio diversified across stocks with small to large market caps. These funds are a way to moderate your risk-reward profile.  

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EMI-Gration counter
Home loans: All you need to know about the new lending ratesShould you transfer that home loan to avail of the recent rate cut?

From India Today magazine

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Who says only smartphones can transfer money*99# allows mobile banking transactions, such as generating mini statements, checking the balance and sending or receiving funds, without downloading an app on the phone.

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Reaping the risk
Reaping the riskA measured investment in small caps can deliver big returns provided one is prepared for the long haul.

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The return of the buyer
The return of the buyerDemonetisation will strike hard at black money, pulling property prices down and pushing the sector towards transparency.

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The charge of the mobile wallets
The charge of the mobile walletsWith the cash crisis, mobile wallets and UPI have become the go-to channels for payments.

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Up close with personal loans
Up close with personal loansPersonal loans are easy enough to get but they are not without their pitfalls.

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The tyranny of TER
The tyranny of TERA quick look at the SEBI mandates on mutual funds and what they charge to manage your money.

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Yellow metal fever
Yellow metal feverIt's the festive season and gold will be in demand. Is it also a good time to buy?

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When debt looks good
When debt looks goodLow-risk investment options in the time of falling interest rates.

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Health insurance
'Pre-existing' is a bad wordWhen buying a medical insurance policy, it's important to fully disclose your medical history. Here's why.

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Premium lounge for smokers
Premium lounge for smokersDon't try fudging (smoking) facts when buying a policy. It will almost certainly backfire.

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An anchor in a volatile market
An anchor in a volatile marketArbitrage funds are tax-efficient and don't lock you in for long periods.

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NCDs, anyone?
NCDs, anyone?In a falling interest rate scenario, non-convertible debentures let you lock into a higher interest rate for longer periods.

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Property
Is it a good time to buy property?Although investors are staying away, for user-buyers, this is a good time to buy.

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Property
Is your property legally clear?Legal complications can make Your dream home a nightmare. Protect yourself

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Joint account
Is a joint account right for you?It does have benefits, but mutual trust is key.

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Health insurance
Do you have a critical illness cover?Get one because a basic health policy is not enough.

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Money manager
Appsolutely a cinchthe money manager at your fingertips

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Buy The Cover Before The SicknessDon't wait to fall ill to get health insurance. You will pay dearly for it.

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ETF
Exchange Traded funds: A Safe BetGo the ETF way if you donâ??t want a fund manager to decide where you invest.

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Give Yourself Some CreditCredit cards do not mean extra cash, you just get a 45-day loan.

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Getting ClosureIn the euphoria of foreclosing your home loan, do not forget to collect your originals and have your credit history updated.

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Trust, But E-Verify No more agonising over whether your tax returns have been submitted successfully. Verify online.

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How to sell a home with an outstanding loanSelling a house saddled with a loan can be quite an onerous task. Keep these points in mind and you'll have all your bases covered

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Illustration by Tanmoy Chakraborty
Pay your property tax onlineDon't tax your brain, an online calculator will do all your property tax math. Click pay

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The jet age billfoldCash is risky, travellers' cheques passe. And then the hassles of interest rates, exchange rates. How to spend wisely in foreign climes

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Why your loan can be rejected despite a 750+ scoreYour high credit rating is no guarantee for a lender to approve your next loan. Here's why:

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Stay safe onlinePreloaded virtual cards are a secure option for online transactions, but cash and time limits are a damper.

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Reward for faithfulsDon't scoff at that rewards programme. You might belosing out on a lot of hidden bonuses

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Planning is everythingA little planning goes a long way helping you both save and spend more freely.

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How to manage rising health costsInsurance top-ups, dedicated health funds and porting policies are some ways to keep your hospital bills in check.

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MCLR: A touch of reliefA new lending rate methodology enables banks pass benefit instantly to borrowers.

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How to be your own ITR managerGet equipped with the essential knowhow this filing season.