21 personal finance insights in summary: Best of ET Wealth 2010-2020

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WEALTH NEWSLETTER Tue, Dec 22, 2020 | 09:18 AM IST

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21 personal finance insights in summary: Best of ET Wealth 2010-2020 Some of these stories were done more than 7-8 years ago, but remain as relevant as ever. Investing and tax rules have changed and the market has moved from its level, but the advice in our stories continues to guide readers. We hope you will enjoy reading this collector's issue as much as we enjoyed compiling it. A guide for reading the stock market: 5 rules to follow when buying stocks in a volatile market One of the rules you should follow is to buy stocks with a clear earnings visibility, strong balance sheet, and stable cash flow. Dividend stocks are safer. Podcast: Money lessons from 2020 and financial planning tips for 2021 In this podcast, we talk about the year 2020 and your personal finances, looking back on what all happened and the lessons we have learnt. We also bring in expert Radhika Gupta of Edelweiss AMC, who gives us important financial planning and wealth management tips for 2021. 4 ways to gain from mutual fund SIPs and 4 immutable investing thumb rules Systematic investment plans are the best way to invest for your goals. Here are some smart strategies to help you make the most of them. Also, here are four immutable financial rules that can help you with quick estimates. Use them to get a grip on your finances and make informed investment decisions. From our Partners Exclusive session with industry expert on 2021 financial planning for your health, wealth and investment needs Register Now From our Partners Anniversary Sale discounts that you don't want to miss Enter 2021 in style, make the most of OnePlus 7th anniversary sale. 8 tricks builders use to lure home buyers and 10 questions to ask yourself before buying property Additionally, find out if renting a home makes more sense for you or buying one. There are compelling arguments in favour of both but your decision will depend on your personal circumstances. We offer a data-driven approach to help you decide. Has EPFO's historical aversion to stocks hurt your retirement corpus? Here's the math The Employees' Provident Fund Organisation (EPFO) has started investing in stocks. We crunched some numbers to calculate how much the EPFO's aversion to equity may have hurt you. Also find out if you are saving enough for your retirement kitty. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 14.76 14.71 29.75 4.38 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 13.50 18.24 28.98 3.59 Invest Now Axis Bluechip Fund-Growth ★★★★★ 13.30 13.32 28.99 4.27 Canara Robeco Bluechip Equity Fund Regular-Growth ★★★★★ 12.07 16.50 28.00 3.45 Tata Index Sensex Direct ★★★★★ 11.56 10.28 31.53 3.69 Invest Now How safe is your job? Here are 7 signs that are career red flags Your annual salary increment says a lot about how much your company loves you. The best way to deal with this is to talk to your boss. Accept the blame but resolve to work harder. Also find out how to improve your resume and ace a job interview. Returns of traditional life insurance plans will not beat inflation: Here's proof Agents like to say that endowment or money-back insurance policies offer the twin benefits of insurance and investment. In reality, they fall between the two stools. Endowment plans yield barely 4.5-5.5% returns. Even very long-term plans of 25-30 years offer around 6.5%. These plan also offer inadequate cover.

FEATURED SLIDESHOWS

Animal instincts that stock market investors have How an investor can invest in the share market How parents can develop healthy money habits in their kids Working from home is an expense, it includes these five costs More Slideshows

Financial Calculators Old or new tax slab regime? Use this calculator to find out 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. 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.

Are you ready for retirement? Use this toolkit to be financially secure A long and healthy life is a blessing, provided you have saved enough for your twilight years. To avoid running out of money when you need it the most, let us look at the pitfalls you need to be aware of and the steps you need to take. 5 reasons you could get an income tax notice and how to deal with it Once you have filed your income tax return, the income tax department processes your tax return. If a discrepancy is found, the department will issue you a tax notice. Here are 5 reasons for receiving tax notice and how to deal with it. Should you change your bank? These 6 signs will tell you Is your bank providing the services you need? If your bank's product portfolio does not match your needs, it's time to switch. Your bank could also be offering services you don't need or want, but you are being charged for them. How stock prices are manipulated by operators: Six rules to guard against rigging It is easy to blame operators when a bet turns sour but are small investors also to blame for their predicament? Have they bought stocks without considering the company fundamentals? These rules can reduce the chances of falling prey to stock price manipulation. Want to invest in stocks? Here's how to make the right investing moves Investors who entered when the market was bullish with irrational exuberance in August 2007 got only 8.08% returns over the next seven years. This reinforces the argument that merely holding stocks for the long term does not assure good returns. Do you have enough insurance? Find out how much life, general insurance you need If you have not taken adequate life insurance, you are putting the future of your dependants at risk. The life insurance cover should be big enough to generate income that can take care of the expenses of the family till your dependants become self-sufficient. Are you a 'Gen S' mom? Here are money tips to plan finances for your kids, parents Many women are in a position that can best be described as a 'sandwich'. They are caught between looking after kids' and parents' physical and emotional needs, besides the financial, medical, legal requirements. Here are some important issues they should keep in mind. 8 dilemmas faced by mutual fund investors To benefit from mutual funds to their full potential, you should be in a position to make an informed choice that suits your requirements. We address the most common dilemmas faced by investors and guide you towards the right choice. What home loan borrowers should do to prepare for future interest rate hikes Though interest rates on home loans are at a multi-decadal low, a borrower should prepare for a time when interest rates will start rising as well. Here are three options a home loan borrower can consider. In a volatile stock market, you must create a cushion for financial goals: Here's how to do it Market moods can change rapidly and torpedo your critical financial goals if you are not protected. Goals are planned on the basis of certain assumptions, and if these go wrong, the final outcome can be very different from what you were expecting. Therefore, building an adequate buffer is the best way to protect your goals from market vagaries. Common money myths and the truth behind them Investors have several misconceptions about financial matters. Here are seven common myths and the truth behind them. How to choose the best financial gifts for your loved ones Gifting an investment or an insurance plan can transform the life of the recipient and is the best way to show you care. Here is how you can choose the best gift for your loved ones. All you need to know about how to manage your parents' money Timely planning, astute investing and a little guidance can make the sunset years of elders comfortable. Money habits you should teach your kids and those you should avoid Instead of buying assets and hoarding money to secure your child's financial future, just inculcate good money habits in them. This will help them manage their finances. Bad habits may send the wrong message to your kids or worse, upset their financial future. Become financially successful and secure by adopting these 8 money habits Find out how to imbibe these financial habits and secure your future. Also find out what you should know before you entrust your money to a financial planner. Finally, find out if a robo-adviser suits you and can help you in financial planning.

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