Why one more layer of diversification matters Most investors already diversify across asset classes (stocks, bonds, cash) and market cap (large-, mid-, small-cap). But there is a third, often overlooked layer that can materially change long-term results: diversification across investing styles — growth, value and factor-based strategies. Adding this layer helps protect a portfolio during … Read more
Three-year fixed deposits are currently yielding interest rates that most banks have set between 6% and 6.75% per annum. For savers who prefer low-risk, predictable returns, this range defines the short-to-medium term opportunity cost of parking funds in bank FDs. What the 3-year FD rate range means When banks quote 6–6.75% p.a. for a three-year … Read more
In December, tax authorities flagged a large number of income tax returns where taxpayers claimed exemptions or deductions in their ITRs that did not appear in their Form 16. These mismatches can trigger queries, delay refunds and sometimes lead to notices — but most are avoidable with a bit of reconciliation and timely documentation. Why … Read more
Many investors chase the idea of market timing: selling before a crash and buying back in once things calm down. It feels logical — avoid the pain, keep the gains. But the hard truth from financial history is that even perfect market timing would have delivered only modest additional returns compared with a steady, disciplined … Read more
Income earned from services performed in India is taxable One clear rule to remember: if you perform services in India, the income you earn from those services is taxable in India — no matter where the money is paid or where it is received. The location of the performance of work, not the place of … Read more
What are focused funds? Focused funds are equity mutual funds that concentrate their investments into a small number of stocks. By regulation, they typically hold no more than 30 stocks and must invest at least 65% of their assets in equity and equity-related instruments. The idea is to build a compact portfolio of high-conviction holdings … Read more
Many investors glance at a fund’s recent returns and make a decision on that alone. That shortcut is tempting, especially after a strong yearly return, but it often misses crucial information. To choose funds that fit your goals and tolerate market ups and downs, you need to look deeper than headline performance numbers. Why recent … Read more
What to do first: Stabilize your finances immediately Losing a job is stressful, but acting quickly can prevent a short-term shock from becoming a long-term financial problem. Start by taking a clear, unemotional inventory of your cash on hand, fixed obligations and monthly expenses. That snapshot helps you decide which payments you must cover and … Read more
Many homeowners and property investors are surprised to learn that selling a residential property can trigger a tax bill. Whether you’re downsizing, upgrading, or cashing out, the profit — often called a capital gain — may be taxable. Understanding how gains are calculated, how holding periods affect rates, and what exemptions may be available can … Read more
What the annual subscription plan includes The Culinaire annual subscription is a membership program offered in three variants. It is designed to reward frequent diners and hotel guests with a mix of immediate savings and long-term perks. Across the variants members receive discounts on dining, spa and laundry services during hotel stays, vouchers for use … Read more