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Is it time to move from active funds to index funds in India?

Many investors often wonder whether they should invest in active or passive mutual funds. Did you know that as of 2020 end, more than 60% of the large-cap active funds underperformed the S&P BSE 100 Index over 1, 3, 5, and 10 year investment period? However, the performance of mid and small-cap funds was better as compared to the S&P BSE 400 MidSmallCap Index. In this article, we present the performance data of active funds in large, mid, and small cap categories as compared to the benchmark to help you investors make the right decision on whether you should invest in active or index funds.

Author: Gopal Gidwani

Date: 9/1/2021

How to look beyond the premium to assess the best term insurance plan for you?

Many people consider the premium as the deciding factor while buying a term insurance plan. While this is important, you should also consider product features, claim settlement ratio, and other parameters.

Author: Gopal Gidwani

Date: 8/26/2021

Multi-asset allocation: Choosing between balanced advantage funds and multi-asset allocation funds

Many people, based on their risk profile, are exposed to a single asset class. This article will explore why asset allocation across different asset classes (such as equity, debt, and gold) is important and how balanced advantage funds and multi-asset allocation funds can give you exposure to multiple asset classes in a single mutual fund scheme. We will also understand how there is no or low correlation between different asset classes and why asset allocation is the key to generating good portfolio returns.

Author: Gopal Gidwani

Date: 8/23/2021

Donate to COVID-related funds and receive potential tax benefits under section 80G & 80GGA

While the government and corporates are doing their bit in time of the current COVID-19 crisis, we as individuals too, need to play an active part in helping those around us. This article touches upon the aspect of Individual Social Responsibility (ISR) and how you can assist those around– in cash, kind or just your time. The article also helps visualise a framework you could use to create a long-term plan to support any future relief efforts. Your monetary assistance will not help everyone grow stronger together, you could also take advantage of tax breaks while donating to a host of charitable trusts and relief funds mentioned in the piece.

Author: Amritesh Sinha

Date: 8/19/2021

Creating and executing a Will during the pandemic: A legal perspective

Many innocent people lost their lives as a result of the COVID-19 pandemic. In many cases, family members of the deceased have had to not only cope with the loss of a loved one, but also face the hassle of running around to claim their assets. The pandemic thus brought to light the need for succession planning. This article will state what a will is, and explain what happens when a person dies without a will. It will also show (with an example) how to make a will.

Author: Gopal Gidwani

Date: 8/18/2021

COVID-19: How government has accounted for NRI residence status and how their tax will be calculated

The unprecedented lockdown and travel restrictions brought on by Covid-19 forced many NRIs to overstay their visit in 2020. This in turn not only impacted their residential status but also their tax liability. If you’re amongst the people who are in a dilemma, this article can help clear doubts regarding your residential status. It also spells out the vital exemptions offered by the CBDT for FY 2019-20 and various factors to consider so as to take advantage of Double Taxation Avoidance Agreements (DTAAs).

Author: Manan Vyas

Date: 8/17/2021

How did the real estate industry respond to the second wave of COVID-19 and what lies ahead?

The Covid-19 pandemic has battered many sectors of the economy. Real estate is no exception to this phenomenon. The Covid-19 has impacted the property rentals market negatively. Many people went back to their home towns affecting residential rentals adversely. Many businesses have asked people are working from home and some have closed down. It has led to increase in commercial property vacancy rates. However, surprisingly the sale of residential units has done well as many people have bought their own house. In this article, we analyse the impact of Covid-19 on sale of residential units and rentals of residential and commercial property.

Author: Gopal Gidwani

Date: 8/16/2021

Why asset allocation should be the core of every investment portfolio?

Every asset class goes through its economic cycle of ups and downs. Hence, it is important to have a blended asset portfolio to earn optimum returns, irrespective of the performance of individual asset classes. In this article, we will understand how to do it with asset allocation.

Author: Gopal Gidwani

Date: 8/10/2021

Looking for ways to save tax on Long-Term Capital Gains? Here are some solutions

The flip side of making a neat profit on selling stocks or property is the huge tax levied. However, there are ways to work around it – legally. This comprehensive piece explains at length what Long-Term Capital Gains (LTCG) is and how to compute the same. It then explains how to calculate tax on capital gains, use Cost Inflation Index (CII) to your advantage and save tax in case of both long-term and short-term gains. The article further delves on how one can save tax by investing profits in another property, bonds, shares and equity mutual funds. Armed with this knowledge, you can offset a significant amount of your tax liability.

Author: Kirti Shobhna

Date: 8/2/2021

How to align your investment plans with your long-term financial goals?

We all have different goals and aspirations. It could be buying a gadget in the short-run, a car or house few years down the line, providing good education for children or securing a comfortable retirement for the future. This article helps you understand the fundamentals of ‘goal-based investing’ that can ensure all your life goals are met. It further details a host of asset classes and investment options that you could use strategically to build a portfolio that can help you get there in the most efficient way possible.

Author: Kirti Shobhna

Date: 7/30/2021