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Author Archives: Karan Deo Sharma

Government bonds: 5 points to keep in mind if you plan direct investment

direct investment in a government bond bond

In its latest monetary policy, the Reserve Bank of India has allowed direct retail participation in the government or treasury bonds. Retail or individual investors can now open a gilt account on the RBI’s electronic trading platform and bid for the bond in the auctions. The gilt account can be used to buy and sell […]

10 PSU value stocks giving higher dividend yields

top 10 value stocks (PSUs)

Indian stocks are among the most expensive in the world. And the post pandemic rally has made the stock market even more expensive. Most stocks have doubled or even tripled in value since the end of March last year even if their profits are yet to scale the pre-pandemic highs. This is most clearly visible […]

Top 10 Sectoral Funds with over 95% returns in last one year


The post pandemic period on the bourses has been all about investing in the right sectors. While the entire market is up in the last 15 months on the back of easy liquidity in the financial markets, record low interest rates and a recovery in corporate profits from the lows of June 20 quarter, the […]

6 ways to earn more on your savings & investments amid falling interest rates

falling interest rates profit fd life insurance

The events in the last week suggest that low interest rates in India are here to stay for some time despite a steady rise in inflation that is usually a precursor for higher interest rates. The new financial year started with the central government announcing a sharp cut in interest rate on post office deposits […]

How to invest in gold for maximum returns


Gold is a hedge against instability  and uncertainty in the broader economy and other assets markets. There are many ways to own gold and returns could vary quite a bit from the headline number depending on the form in which you added the yellow metal to your portfolio  Besides buying gold bars and coins, three […]

Buying vs renting a house in India: which works better?

housing buy or rent

Whether to buy a house or rent one? This is one of the biggest dilemmas working professional face in India. The question is especially true in the post-pandemic environment where homes have become our place of work as well. The work from home or WFH has suddenly increased our affinity to home unlike in the […]

5 ways to profit from low interest rate environment

5 ways to profit from low interest rate environment

In 2013 Apple Inc, the world’s most profitable and cash rich company, surprised the world by announcing a plan to borrow cash from the bond market to reward its shareholders with higher dividend and share buybacks. The company has since continued to borrow every year, taking advantage of record low interest rates rather than dip […]

Tax planning: 6 ways to save tax this year

Tax planning: 6 ways to save tax this year

We are in the fourth quarter of the financial year 2020-21. It is that time of the year when most Indians, especially those with salary income, spend time on tax planning. People look for financial instruments that can help them save income tax and also create some long-term financial assets in return. The latter is […]

Tax Planning: Top 10 tax-saving mutual funds or ELSS to invest in right now

Tax Planning: Top 10 tax-saving mutual funds or ELSS to invest in right now moneymonc

Tax saving equity mutual funds are one of the best ways to save income tax. Also called Equity Linked Savings Schemes (ELSS), these funds primarily invest in equities and are riskier than fixed income-oriented tax savings instruments like endowment and whole-life insurance plans and even tax savings bonds. ELSS, however, offer the opportunity to give […]

Tax Saving: 5 points to keep in mind while buying life insurance

Tax Saving: 5 points to keep in mind while buying life insurance

We are in the middle of this fiscal year’s tax planning period right now. February and March are two months when Indians, especially those with salary income, look around for investment options to save tax and also make some long-term savings in the process. Life insurance plans are one of the most popular means to […]