Great expectations from Budget 2019? Find out if they can be met

THE ECONOMIC TIMES Tue, Jan 29, 2019 | 06:30 AM IST ET Wealth Newsletter

WHAT'S HOT #RERA,#sukanya samriddhi yojana calculator,#alternative investment returns monitor,#realty hot spot series,#stock pick of the week,#mf portfolio doctor,#family finance

Great expectations from Budget 2019? Find out if they can be met Experts are expecting big tax cuts and other benefits from this year's Budget. ET Wealth looks at the feasibility. Indian households' debt doubles in FY17-18: What are we borrowing for and how much? Consumer durable loans saw a slowdown in 2018-19 as lenders feared likely defaults on such unsecured loans. HRA Exemption Rules: How to save tax on House Rent Allowance The benefit is available only to a salaried individual who receives HRA as a part of his salary and is staying in a rented accommodation. Why you can't get personal finance advice only by reading articles When it comes to personal finance, there is really nothing new to say. What we discuss here are mere snippets of interpretative intelligence. IndiGo looks overseas The domestic market is in its kitty. Now the airline plans to become global. Open-offer exemptions dilute Sebi's takeover code Etihad may be exempted from an open offer even if it substantially scales up its stake in Jet Airways, if the precedent set by Spicejet is anything to go by. The time has come to find new ways to protect minority shareholders. The hoodoo of hacking voting machines In the age of hyper-polarisation, the election commission needs to investigate every claim of EVM manipulation to ensure faith in the system. From our Partners Power of Micro-actions: Can small steps culminate to a big out-turn? Begin today, take these small steps and witness them reach a pinnacle. From our Partners Did you believe these myths on tax deductions? Schemes like health insurance, term plans, ULIPs allows tax payers to claim deductions What is the ideal number of mutual funds you should have in your portfolio? The sweet spot for the ideal number of funds tends to be three or four, anything more is a waste of effort. In fact, depending on the size of someone's investments, it could be even less. Should your housing society opt for self-redevelopment? The trend has gathered steam in Mumbai. It offers several advantages to the society members, but can be quite a tedious task. Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) JM Core 11 Direct Plan-Growth -2.87 -10.86 -7.54 18.86 JM Core 11 Fund-Growth -3.05 -11.51 -8.58 17.34 Axis Bluechip Fund Direct Plan-Growth -2.10 -6.68 4.42 15.47 Reliance Large Cap Fund Direct-Growth -3.45 -3.01 -6.51 15.19 ICICI Prudential Bluechip Fund Institutional I-Growth -3.41 -4.91 -6.08 14.53 FeaturedTata Retirement Savings Fund Progressive Plan Direct-Growth ★★★★★ -4.27 -10.48 -9.77 16.01 Start SIP How to avail credit from P2P lending platforms The loan agreement is typically a digitally signed agreement available for inspection upon logging into the profile of the lender or borrower. When to take help of accountant for filing income tax return Equity transactions may create short-term capital gains that are taxable. There may be capital losses that are eligible for set off.

FEATURED SLIDESHOWS

How young investors can save tax without denting their pockets What to do if your adult children ask for money? Want to save tax? Try these lesser-known investments, expenditures Check these 7 tax-savers before you invest again More Slideshows

Financial Calculators New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds. Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay.

Realty hot spot series: Good connectivity is a big draw of this established locality in Mumbai Proximity to major schools and colleges is a big draw for this established Mumbai locality. Features and prices of 9 new interesting gadgets launched in Jan 2019 There are variety of gadgets available. Those who are restricted by a budget can go for a cheaper one. Stock pick of the week: MRPL is trading at a discount, could be a good bet With around 30% of its crude oil coming from Iran, uncertainty on continued imports due to U.S. sanctions had also put this counter under pressure. Family finance: Salaried Pandya needs to hike equity investments to meet all goals Navi Mumbai-based Jay Pandya, a salaried individual, will have to raise the equity exposure to be able to meet all his financial goals. MF portfolio doctor: Goel needs to hike SIPs, defer ambitious goals An SIP is a good tool to achieve financial goals but if these are too ambitious or near, you may have to defer or scale them down despite hiking investments. Kotak Equity Opportunities Fund: 10-year return mirrors category average The fund manager prefers companies that can generate consistent cash flows, have proven business models with efficient management and are available at reasonable prices. How government bonds work The rate of interest that the government has to pay on its borrowing is determined by the market through an auction process.

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