Money Today experts answer reader queries on tax changes, loan buying, real estate issues, insurance policies etc.

Given that deep down most Indian investors simply do not have the stomach for a falling equity market, MIPs appear a viable one as it combines relative safety with a slice equity.

If you own two houses, you can claim only one as self-occupied, while the other will be considered as let-out property.

Hybrid funds may be the flavour of the season because of high returns, but go for them only if your asset allocation requires it.

Yes, you can avail of these benefits and the easiest way to do so is by producing the original bill.

After retirement, aim to minimise the tax on withdrawals or on interest from investments and stick to the conservative tax-saving instruments.

During an economic slowdown or recession, it is not advisable to follow a fixed investment style in mutual funds as it can be detrimental to the fund’s performance.

The mutual fund investments are subject to capital gains tax, which is applicable to gains from the sale of fund units. This tax is levied directly on investors, as opposed to DDT, which is charged to the fund. Let us consider the capital gains tax at the 2008-9 rates.

Newer modes of investing in gold are emerging. Money Today gives you a lowdown in the times when returns from the metal are attractive.