Ask Money Today

What will a travel insurance policy cover?

Updated : Jun 25, 2025

Does a travel insurance policy cover loss of passport, medical emergencies and extended stay?

Medical emergencies abroad, whether a sudden fever or more serious conditions, are typically covered up to your selected sum insured — including hospitalisation, doctors’ fees and even medical evacuation if required.

How will I be taxed for selling my under-construction flat?

Updated : Jun 23, 2025

I plan to sell an under-construction flat. If I invest in another property, can I save taxes?

By paying for an under construction property, what one gets is a right to get the property which is distinct from the right in the residential property.

How will a consultant who has spend 183 days in Oman be taxed in India?

Updated : Jun 23, 2025

I earned in Oman and now consult in India — How am I taxed?

If you withdraw money from your EPF account now, it will be taxable as the contributions in your EPF account were made for a period of less than 5 years.

What insurances are essential for a small manufacturing unit?

Updated : Apr 28, 2025

What insurance should I pick for the small engine parts manufacturing unit I am starting?

A Workmen’s Compensation Insurance policy is crucial since it ensures compliance with the Workmen’s Compensation Act of 1923 by covering medical expenses, lost wages, and rehabilitation costs for employees who sustain work-related injuries or illnesses.

Should you opt for pre-EMI, full EMI or redeem your equity portfolio to buy a house?

Updated : Dec 9, 2024

I am a 40-year-old IT professional and have bought a house for Rs 1.5 cr. Should I opt for pre-EMI, full EMI, or fund it using my equity portfolio?

When making significant financial decisions, such as purchasing a home, balancing cash flow with long-term goals is vital, says Niyati Shah, Vertical Head - Personal Tax at 1 Finance.

Coverage of a term insurance plan could significantly impact your and your family's future

Updated : Dec 9, 2024

How do Term Insurance Benefits and Coverage Impact you?

While other insurance plans do differ, a term insurance plan focuses solely on providing a death benefit. In the case of an unfortunate event, your family gets a lump sum amount to meet all expenses, repay debt, and maintain their well-being.

Where to invest for ESG-related and renewable investments?

Updated : Dec 9, 2024

I am 35 and want a corpus of Rs 10 cr by 60. Where to invest for renewable and ESG-related investments?

Since sector funds are cyclical in nature, closely monitoring their performance becomes essential. This task is best handled by professional fund managers who have the expertise and resources to track and respond to market changes effectively.

India leads the world in shrimp production, a key aspect of its seafood exports.

Updated : Nov 25, 2024

Fish Farming: How to start a fisheries business with minimum investment. Check details

In the previous fiscal year, seafood exports in India exceeded Rs 60,000 crore, marking a record high and emphasizing the significance of the marine products sector in contributing to the country's export revenue.

The price of gold has experienced significant growth in calendar year 2024.

Updated : Sep 11, 2024

Gold investment vs others: Should I invest in gold looking at current market conditions, geopolitical tensions?

In the current global economic environment, it may be prudent to consider investing in gold. As inflation rates rise and economic uncertainties persist, gold is viewed as a secure asset that can offer protection against market volatility.

Fixed Deposits (FDs) are known to be less tax-efficient compared to debt funds.

Updated : Sep 7, 2024

Bank Fixed Deposits ( FDs) vs Debt funds. What should I choose in this current market conditions?

Fixed Deposits (FDs) are known for their fixed interest rate, which is typically lower than the potential returns from Debt Funds, especially over a longer investment horizon.

On August 6, the finance ministry proposed various amendments to the Finance Bill for FY2024-25. The most significant change pertains to the Budget announcement regarding LTCG tax on real estate assets.

Updated : Sep 5, 2024

I sold my house in April 2024. Will I follow the new capital gains tax rules introduced in Budget 2024?

The Union Budget 2024 earlier this year had reduced the tax rate on long-term capital gains from 20% to 12.5% but removed the indexation benefit. Later, the government simplified the taxation by giving two options to the buyers.

Invesco India PSU Equity Fund, which is the oldest PSU fund, gave 82.07% and 40.59% returns in the last one and three years, respectively.

Updated : Aug 31, 2024

PSU mutual funds are losing steam. Do I withdraw my investment now or should I wait?

In 2024 so far, PSU theme-based funds exhibited an average return of about 43.19%, with the CPSE ETF standing out with a return of around 53.63%.

Health insurance policies generally provide coverage for Monkeypox under their standard provisions for infectious diseases.

Updated : Aug 29, 2024

Mpox virus outbreak: What insurance cover is available for Monkeypox? What benefits can I expect?

A new strain of Mpox has prompted the WHO to declare another health emergency earlier this month. Insurance companies have come up with comprehensive health insurance plans to cover such emerging infectious diseases.

In the past, the RBI issued 10-14 tranches of SGBs annually. However, in the last two years, only four series of SGBs were released.

Updated : Aug 28, 2024

In absence of RBI's Sovereign Gold Bonds, what is the best form of gold investment in current scenario?

In India, Sovereign Gold Bonds (SGBs) have gained significant popularity among investors looking for a safe and profitable alternative to physical gold and other forms of gold investments. Considering this, it is essential to delve into various investment avenues available for diversifying your funds effectively.

From July 23, 2024, the long-term capital gains (LTCG) tax rate applicable to property transactions was reduced to 12.5%, marking a notable change from the pre regime.

Updated : Aug 27, 2024

After selling my old house in Delhi, how much total tax will I have to pay this financial year?

If a taxpayer sells a house and decides not to reinvest the proceeds in another property, they may be liable to pay capital gains tax on the sale.

To save on taxes, taxpayers can invest in Capital Gain Bonds.

Updated : Jul 6, 2024

How to invest Rs 10 crore after property sale and save taxes. Are FDs right for investing windfall gains?

Expert shares how to invest Rs 10 crore in various assets and save income tax after property sale worth Rs 10 crore

You should gradually increase investment in equity by increasing SIP amount by 5% every year.

Updated : Jun 28, 2024

I am 40, a salaried person and earn Rs 1 lakh. How can I earn a pension of Rs 50,000 per month?

In this edition of Ask Money Today, find out how you should plan for retirement, and what you must keep in mind

You should not unnecessarily worry about closing your outstanding home loan as long as you buy a term plan to cover it.

Updated : Jun 28, 2024

I am 47 and have zero savings. After all expenses, I am left with nothing in hand. Can you help me with a financial plan?

A financial plan should not be for a single goal, it should take into account various goals and their relative importance and immediacy

If you have excellent credit profiles, you can get cheaper interest rates. Once you select the bank, you can also negotiate terms and conditions with the bank.

Updated : Apr 8, 2024

Ask Money Today

Does a travel insurance policy cover loss of passport, medical emergencies and extended stay?

I plan to sell an under-construction flat. If I invest in another property, can I save taxes?

I earned in Oman and now consult in India — How am I taxed?

What insurance should I pick for the small engine parts manufacturing unit I am starting?

I am a 40-year-old IT professional and have bought a house for Rs 1.5 cr. Should I opt for pre-EMI, full EMI, or fund it using my equity portfolio?

How do Term Insurance Benefits and Coverage Impact you?

I am 35 and want a corpus of Rs 10 cr by 60. Where to invest for renewable and ESG-related investments?

Fish Farming: How to start a fisheries business with minimum investment. Check details

Gold investment vs others: Should I invest in gold looking at current market conditions, geopolitical tensions?

Bank Fixed Deposits ( FDs) vs Debt funds. What should I choose in this current market conditions?

I sold my house in April 2024. Will I follow the new capital gains tax rules introduced in Budget 2024?

PSU mutual funds are losing steam. Do I withdraw my investment now or should I wait?

Mpox virus outbreak: What insurance cover is available for Monkeypox? What benefits can I expect?

In absence of RBI's Sovereign Gold Bonds, what is the best form of gold investment in current scenario?

After selling my old house in Delhi, how much total tax will I have to pay this financial year?

How to invest Rs 10 crore after property sale and save taxes. Are FDs right for investing windfall gains?

I am 40, a salaried person and earn Rs 1 lakh. How can I earn a pension of Rs 50,000 per month?

I am 47 and have zero savings. After all expenses, I am left with nothing in hand. Can you help me with a financial plan?

Help! My marriage has been stalled because I can't afford a home

As a low-risk investor seeking regular income, I'm considering MFs amid market volatility. Is it right decision?

How many days will it take for the EPF amount from my previous employers to get credited to my current one?

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