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Is It Wise to Mix Insurance and Investment – Never

By:MoneyChai Insurance Last Updated: 22 Mar, 2021

Is It Wise to Mix Insurance and Investment – Never

People often doubt if it is wise to mix insurance and investment. In a single word, the answer is No. You should never mix insurance and investment. Though I can give you a technical explanation with all the financial jargons, I will better keep that aside and will explain to you the concept of mixing… 

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Filed Under: Insurance

Types of Risk in Debt Mutual Funds –Interest Rate, Credit and Liquidity

By:MoneyChai Mutual Funds Last Updated: 10 Mar, 2021

Types of Risk in Debt Mutual Funds –Interest Rate, Credit and Liquidity

Debt mutual funds are not as safe when compared to FDs. There are certain types of risk in debt mutual funds like the credit risk, interest rate risk and the liquidity risk. It is more often difficult for a new investor to understand these financial jargons associated with debt mutual funds. So, let me start… 

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Filed Under: Mutual Funds

Tax on PF Interest – New PF Rules 2021 with Example

By:MoneyChai Tax Last Updated: 25 Mar, 2021

Tax on PF Interest – New PF Rules 2021 with Example

It has been proposed in the Union Budget 2021 to tax the employee`s Provident Fund (PF) contribution. The employee`s PF contribution in excess of 2.50 Lakhs per annum will be taxed. Suppose an employee contributes more than 2.50 Lakhs per annum towards Provident Fund (PF) or Voluntary Provident Funds (VPF). In this case, the interest… 

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Filed Under: Tax

Calculating Returns And Lazy You

By:MoneyChai Chai Pe Charcha Published: 7 Mar, 2021

Calculating Returns And Lazy You

Oh Lazy you.. You work in a corporate structure hoping to progress faster in your career. The entire day, you work on excel and PPTs. You know all about pivot tables, VLOOKUP, filters, advanced filters for the work you do for managing your daily life. But you never even try to learn basic formula of… 

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Filed Under: Chai Pe Charcha

Deductions under Section 80C for FY 2020-21 – Tax Benefits

By:MoneyChai Tax Published: 7 Mar, 2021

Deductions under Section 80C for FY 2020-21 – Tax Benefits

Section 80C of Income Tax Act for tax exemption (Old Regime) – What are the limits, components, list of deductions under Section 80C for FY 2020-21? What are the various tax benefits under Section 80C for AY 2021-22? The most popular Tax Saving instruments are the deductions under Section 80C of the Income Tax Act. Section 80C… 

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Filed Under: Tax

ICICI Pru Guaranteed Income for Tomorrow Review – 4%-5%Returns

By:MoneyChai Insurance Last Updated: 5 Mar, 2021

ICICI Pru Guaranteed Income for Tomorrow Review – 4%-5%Returns

ICICI Pru has recently launched a new plan known as Guaranteed Income for Tomorrow. This is basically a non-linked, non-participating and limited/single premium payment plan. Simply put, the plan gives you 2 options to choose from. You can either opt for receiving lump sum amount at maturity or fixed income every year after maturity. Before… 

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Filed Under: Insurance

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  • Is It Wise to Mix Insurance and Investment – Never

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About Us

Hi,
I am Ajay Pruthi, an alumnus of NIT Jalandhar and K.J. Somaiya Institute of Management Studies. I have over 10 years of experience in the field of insurance and have worked with top two private insurance players in the country.

I am a Certified Financial Planner and currently working as a Paraplanner with Mr. Melvin Joseph, founder of Finvin Financial Planners.

If you liked my blog and want to discuss further on comprehensive fee only financial planning, feel free to get in touch by visiting Finvin Financial Planners.

 

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