Analysis

Sensex is still trading above Rs 50,000-mark

Updated : Mar 16, 2021

BT Insight: Earned handsome gains on equities? Tips to save taxes

Sensex surged to an all-time high on February 16, 2021. Many of you must have incurred handsome gains in your equity portfolio. Now is the time to take stock of it and apply some tax planning hacks to reduce your tax outgo on booked profits

Updated : Jan 14, 2021

BT Insight: How to save long-term capital gains on equity mutual funds

Every penny of reduction in tax outflow boosts your return. If your expected long-term capital gain is below Rs 1 lakh, your gains will be completely exempted and hence you would not need to go for any additional effort to save taxes

Once you open a demat account with a broker, they create a trading account with the brokerage in the US

Updated : Dec 28, 2020

BT Insight: What charges, taxes must you pay to invest in global stocks?

Factoring in bank charges, conversion rate and taxes, the real rate of return on your overall investments may not be as attractive as it appears on the paper

The market is considered in the bull market if the Warren Buffett indicator moves in the range of 70-80 per cent and above

Updated : Nov 30, 2020

BT Insight: Are Sensex, Nifty overvalued? Here's what metrics show

The GDP growth fell to 7.5 per cent in the July-September quarter compared to a contraction of 23.9 per cent in the April-June quarter

While standalone policies come with a specific sum-insured, indemnity health insurance plans (in-built or optional) have a limit up to which OPD expenses can be claimed

Updated : Nov 26, 2020

BT Insight: Want insurance for medical tests, dental treatment? Check out these options

Taking a lead, few insurers have started covering OPD expenses as an in-built feature in the main policy, while Star Health has launched a standalone OPD cover around 10 months ago

The prize money contestants win in Kaun Banega Crorepati or the cashbacks you receive in online shopping are also taxed

Updated : Nov 18, 2020

BT Insight: How Kaun Banega Crorepati, Dream11 winners get taxed

If you are a Dream11 team player you must know the money you win is not entirely yours. The prize money is your income from other sources that will attract taxes just like your primary income. Prize money in Kaun Banega Crorepati is also taxed

Updated : Oct 21, 2020

BT Insight: Income tax on gold bonds, jewellery, ETFs, funds and digital gold

The new age options like gold ETF, gold mutual fund and digital gold allow you to get the benefit of gold investment without actually buying the physical gold. As investors make gains in these investments, they become liable to pay income tax on their gains

Central banks, world over, have been pumping money to save their economy

Updated : Sep 26, 2020

BT Insight - Are equities heading for a larger correction?

While many investors already exited with the first opportunity, there are others who are here for long haul and worried about the safety of their investment

Updated : Aug 7, 2020

BT Insight: Investment in international stocks gains momentum; should you take a plunge?

As per Winvesta, the US markets outperformed Indian markets by over 200 per cent in rupee terms in the last decade. Almost 40 per cent of the revenues of S&P-500 companies are from outside the US

Updated : Jul 30, 2020

BT Insight: Should you invest in high interest rate FDs of small finance banks?

Senior citizens who primarily depend on FDs to manage their retirement expenses, have seen their income falling drastically within few years. When all major big banks are offering interest rates around 6 per cent the rates offered by many small finance banks look quite attractive

Updated : Jul 17, 2020

BT Insight: RBI floating rate bonds available at 7.15%; should you invest?

If you invest in fixed rate bond at lower rate and the rate increases after some time you incur notional loss. One of the most unique advantages with this bond is that it will not carry an interest rate risk like the fixed rate bonds

Updated : Jul 15, 2020

BT Insight: How to build tax-free legacy for your children

Wholelife insurance is the simplest way of accumulating a good corpus for the next generation slowly and gradually with no tax implications

Updated : Jul 3, 2020

BT Insight: Quant funds outperform benchmark; should you invest?

"The job of the quant fund manager is to assess whether the pattern observed in past data is persistent i.e it will repeat in the future and thus can be profited from or just a data artifact which has to be ignored," says Gaurav Rastogi, CEO, Kuvera

In the ongoing market situation, however, even if you feel the stocks/mutual funds in your portfolio hold value, you may consider selling them to book losses and buy again to let the portfolio remain unchanged

Updated : Mar 26, 2020

BT Insight: How to make a smart recovery from market losses

Tax loss harvesting utilises the losses on sale of equities/mutual funds to offset the capital gains arising out of selling these assets

Buying term insurance should be the first resolution that you must take and execute as you do your financial planning

Updated : Jan 8, 2020

BT Insight: All that you must know about term insurance policies

Term plans are the cheapest insurance plans. A person in the age bracket of 25-30 can easily get a life cover of Rs 1 crore for as low as Rs 500-600 premium per month

Updated : Aug 23, 2019

BT Insight: All you need to know about Term vs. Endowment Insurance plans

Instead of paying high premium each month in an endowment policy, the same amount cannot be divided into monthly term plan premiums and systemic investment in financial products such as mutual funds to get the most benefit

Before applying for education loans, applicants need to be mindful of a few things.

Updated : Jul 1, 2019

BT Insight: The how's and why's of getting an education loan

To compare interest rates is indeed important when exploring loan options, but one must thoroughly dive into terms and conditions to evaluate the impact of commission, penalty on late payment, moratorium and tax benefits.