Loan against Securities from Bank of Baroda

In times of need, when a personal loan is not an option, many of us have to offer collateral to the bank/credit institution to get a loan. In many of our earlier posts, we have discussed loan against gold jewellery, loan against property, loan against insurance policies and loan against financial investments (securities). Since gold, insurance… Continue Reading

HDFC Bank Digital Loans Against Mutual Funds

I had written a post on loan against securities earlier. However, the process always seemed a bit drawn out. It can easily take up to 5-6  days to avail the facility. HDFC Bank has come out with a loan facility — Digital Loans against Mutual Funds or Digital LAMF — where you can pledge your… Continue Reading

Budget 2018 Highlights

The Budget 2018 was presented on February 1, 2018. The Finance Minister did not propose any changes to the income tax slabs and tax rates. However, much needed relief was granted to senior citizen tax-payers. There were a slew of other relief measures for senior citizens. However, the biggest setback has come to equity investors, where the… Continue Reading

Investments through Credit Cards?

Many of us have grown so fond of rewards points that we even want to make our investments through credit cards.  Sounds good, right? It is like having a cake and eating it too. Many times, I hear this question (investment through credit card) at the end of the financial year when many of us… Continue Reading

7 Mistakes to Avoid While Investing in Mutual Funds

In this post, let’s look at some of the common pitfalls about investing in mutual funds. 1. Mutual Fund Means Equity Mutual Funds. Many of us get attracted to mutual funds during periods of bull run in the equity markets. We are attracted to high returns of equity funds. Therefore, for many of us, mutual fund… Continue Reading

Loan Against Securities

If you are looking to raise short term funds quickly and have a sizeable investment portfolio, loan against securities is an option you can consider. In this post, let’s look at loans against securities in detail and assess whether you must consider such loans. What Are Loans Against Securities? As the name suggests, you can… Continue Reading

10 Retirement Planning Tips

Planning for retirement is one of the most important financial goals for anyone. During your working years, you need to ensure that your lifestyle does not suffer during your retirement. Here are a few tips that you can use while planning for your retirement. 1. Set a CORRECT retirement corpus target. It is not easy to… Continue Reading

Ways to Generate Regular Income During Retirement

As you start your retirement, you will need to replace your salary with another source of regular income. If you have been part of a defined benefit pension scheme or have been investing in a pension plan during your working years, you will not feel as much pinch. Those who have not purchased a pension plan… Continue Reading