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    Query CornerMoney Today experts answer your personal finance queries

    Money Today experts answer your personal finance queries

    Money Today experts answer your personal finance queries -
    PerspectiveNPS continues to offer better returns than EPF

    NPS continues to offer better returns than EPF

    This after the Central Board of Trustee of the Employee Provident Fund Organisation (EPFO) recommended 8.75% interest rate for the current financial year compared to 8.5% a year ago.

    A look at recent rulings which can affect you

    A look at recent rulings which can affect you.

    PSU ETF gets clearance from govt

    If you are bullish on government-owned companies, and want to have an exposure to them, the Central Public Sector Enterprises (CPSE) Exchange-Traded Fund (ETF) will be a nice way of doing so.

    Bitcoin facing regulatory hurdles in India

    A recent directive by the Reserve Bank of India (RBI) has cited decentralisation as one of the reasons for cautioning users against the currency.

    Your gold jewellery will now fetch loan up to 75%

    Your gold jewellery will now fetch loan up to 75% of its value as against 60% earlier if you keep it as collateral for loan from non-banking financial companies (NBFCs).
    InsuranceMoney Today-Morningstar ULIP Rating: Methodology

    Money Today-Morningstar ULIP Rating: Methodology

    The ratings are based on three-year compounded annual growth rate, or CAGR, for the period 1 January 2011 to 31 December 2013.

    How Ulips have performed since norms were changed in 2010

    The regulations did make the product more investor-friendly, but it also took away the incentive for distributors to sell these plans. The contribution of Ulips to the total 'new business premium' (individual non-single) fell from 59% in March 2010 to 15% in March 2013.

    Healthcare discount cards offer savings aside from health cover

    A number of companies today are trying to bridge the gap between what your insurer covers and what you spend on healthcare, providing healthcare discount cards. They promise between 30-50 per cent discount on diagnostic tests, doctor consultation and even medicine.
    InvestmentHow investors can use 'options' to build their portfolio

    How investors can use 'options' to build their portfolio

    Options is a segment of financial instrument called derivatives. It's a contract that gives its buyer the choice of executing or not executing the deal. Here's how it works -

    Pension plans by MFs best avenues to invest money for post-retirement years

    While pension funds may not give chart-bursting returns like the risky equity-oriented funds, they are ideal for investing over long horizons. Let's see how good these funds are compared to other options such as endowment plans and new pension system, or NPS, for retirement planning.

    How you can benefit from legendary investor Peter Lynch's strategy

    Peter Lynch is a rock star for investors around the world. One reason for this is his extensive writings where he shares, in a simple manner, how he invests. Money Today tells you how you can benefit from his investing strategy.
    TaxHealthcare costs are eligible for some tax deduction

    Healthcare costs are eligible for some tax deduction

    Healthcare costs constitute a significant part of household budgets, including treatments, preventive checkups and health insurance premiums, and it's increasing every year. However, not everyone is aware that income tax deduction is available on some healthcare costs.
    Financial PlanningFinancial planning: 14 tips to strengthen your finances

    Financial planning: 14 tips to strengthen your finances

    First things first: Start with a review of 2013. How did you fare? What did you miss? Which tasks are pending? Where did you make mistakes? Were your investments on track? This will help you know the steps you need to take to improve your finances.
    Stocks'European equities are much less volatile than Indian stocks'

    'European equities are much less volatile than Indian stocks'

    A number of Europe-based feeder funds are being launched in India, including the JP Morgan Europe Dynamic Offshore Fund. Anis Lahlou-Abid, Executive Director & Portfolio Manager, Dynamic Team, European Equity Group, JP Morgan, speaks with Dipak Mondal on the rationale for investing in Europe.

    Are stocks of pharmaceutical companies still a safe bet?

    Stocks of pharmaceutical companies had a stellar run in 2013. The trend is likely to continue. According to the India Brand Equity Foundation, the main drivers for the industry will be outsourcing and investments by MNCs, spread of health insurance and improved health-care facilities.

    Ceat among top gainers in past six months

    Ceat is among the top gainers in the past six months with return of 214 per cent.
    Mutual FundsGold ETFs continue to extend their losses

    Gold ETFs continue to extend their losses

    Gold ETFs continue to extend their losses as the one-year return dropped to negative 12 per cent on the back of fall in prices of the precious metal in global markets.
    Mutual FundMutual fund in focus: SBI Magnum Equity

    Mutual fund in focus: SBI Magnum Equity

    SBI Magnum Equity has a three-year annualised return of 5.63 per cent, compared with the category's 3.70 per cent.
    BankingBest banks to take loans from

    Best banks to take loans from

    Are you scouting for a loan to buy a house, a car or for your child's education? Given below are the best deals on offer from public and private sector lenders.
    CommoditiesFarm commodities that can give good returns in 2014

    Farm commodities that can give good returns in 2014

    Out of the 21 major commodities that trade on the National Commodity and Derivatives Exchange, 11 gave positive returns last year. Money Today discuss their prospects for 2014.
    Editor's Note'Investing your surplus money judiciously is always beneficial'

    'Investing your surplus money judiciously is always beneficial'

    Investing your surplus money judiciously on a regular basis is always beneficial for your long-term financial well-being.
    Talk Back Money Today readers share their feedback on the magazine's coverage -

    Money Today readers share their feedback on the magazine's coverage -

    Money Today readers share their feedback on the magazine's coverage -