Latest Saving, Investing & Mutual Fund Articles

There has been lot of debate in digital and social media about the pros and cons of old versus new tax regime after the proposed changes in direct taxes in 2023 Budget. Many people are arguing that below the income slab of Rs 15 lakhs or more, the tax rates for different income tax slabs are lower in the new regime...

2022 has come to an end and 2023 has begun. 2022 was a difficult year for global equity markets with high inflation, rising interest rates and an ongoing war in Ukraine. Major global market indices e.g. Dow Jones, NASDAQ, DAX, CAC, Nikkei and Hang Seng, all ended the year in red. India was a bright spot in the global equity...

We are in last quarter of FY 2022-23 / AY 2023-24 and you should complete your tax planning for the year by 31^st March 2023. Different sections of Income Tax Act of 1961 can help you reduce your tax obligation and save taxes by claiming deductions from your gross taxable income. In this blog post, we will discuss about two...

ITI Mutual Fund has launched a New Fund Offer, ITI Flexi Cap Fund, an open-ended equity scheme which will have flexibility to invest across market capitalization segments i.e. large cap, midcap and small cap. ITI Flexi Cap Fund is the 9^th scheme in ITI MF’s equity product offerings. The NFO opened for subscription on...

Balanced advantage funds, also known as dynamic asset allocation funds, are a type of hybrid mutual funds which invests in debt, equity and arbitrage strategies. The asset allocation of these funds is managed dynamically based on an asset allocation model that changes asset allocation depending on market conditions. SEBI has not...

Dynamic Asset Allocation changes equity and debt allocations of the portfolio based on market conditions. Dynamic Asset Allocation models usually increase asset allocation to equity and reduce allocation to debt, if equity valuations fall. If equity valuations increase, then dynamic asset allocation models reduce...

As we approach the end of FY 2022-23 / AY 2023-24, you should ensure that you complete the tax planning for this year by 31^st March 2023 for availing the tax benefits available under various sections of Income Tax Act, 1961. If you are unable to complete the tax planning before the deadline set by your company...

Most retail investors keep their savings primarily in traditional fixed income investments like Bank Fixed Deposits, Government Small Savings Schemes etc. With the RBI hiking repo rates to 6.25%, the interest rates of Bank FDs and Government Small Savings Schemes have also gone up. However, investors may...

Most investors associate mutual funds mainly with equity investments. While equity as an asset class has an important role to play in your financial plan, fixed income or debt also has an equally important role. Traditionally fixed income investments have been associated with bank deposits, Government small savings...

Asset allocation refers to diversification of your investments in more than one asset class. Asset allocation for most investors means diversifying into equity and fixed income or debt. In our blog post, How can multi asset allocation work for you?, we had discussed the benefits of diversification across 3 or more asset classes. We...