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Financial LiteracyHindustan TimesInvestmentMarketsMoneyMutual FundsPersonal FinanceRegulationApril 6, 2023by Monika Halan0Don’t privilege govt workers over others

Instead of reviewing the National Pension System, train government employees to understand finance, markets and how to plan for their retirements On April 6, the Union government set up a committee to review the pension system for government employees to look into the issue of pensions under the National Pension System (NPS)… “and evolve an...

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Financial LiteracyHindustan TimesInvestmentsMarketsMutual FundsPersonal FinanceRegulationSebiMarch 25, 2023by Monika Halan0Bid to remove tax benefit from debt funds is hasty

There is an uproar in the Indian investing community over the collapsing of the long- and short-term tax status of debt funds, removing the indexation benefit from financial year 2023-24 and the manner in which it was pushed through.   There is an uproar in the Indian investing community over the collapsing of the long-...

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Financial LiteracyHindustan TimesInvestmentsMarketsMoneyPersonal FinanceRegulationSebiFebruary 19, 2023by Monika Halan0Judicial rush to save investors is misplaced

Investors need protection from fraud, toxic products and mis-selling. Not from volatility. The Supreme Court may consider widening the terms of the panel on investor protection   The Supreme Court (SC) has advised the government to set up a committee to review the current investor protection regime in light of the recent crash in the...

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Hindustan TimesInvestmentsLet's Talk MoneyMarketsMoneyPersonal FinanceRegulationNovember 15, 2022by Monika Halan0FTX implosion is a costly lesson for retail investors

With the global crypto industry in a state of total disarray, the collapse of crypto giant, FTX, points to the grim future of an industry premised on decentralisation, albeit with no underlying asset to safeguard its value.   The implosion on November 10 of one of the largest crypto exchanges in the world, FTX, valued...

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Hindustan TimesMarketsNarendra ModiPersonal FinanceFebruary 2, 2018by Monika Halan0Union budget 2018: A budget for Bharat, but middle class Indians sulk

Though finance minister Arun Jaitley’s budget has significant schemes in healthcare and the standard deduction for salaried class, the only middle class cohort to truly benefit is the senior citizen.   There were few happy faces in India after the Budget speech got over, except for the senior citizens. Since we don’t have representatives of...

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Financial LiteracyHindustan TimesMarketsPersonal FinanceRegulationDecember 12, 2017by Monika Halan0FRDI bill: Don’t worry, your fixed deposits are safe and banks cannot use them without your consent

Your deposits will be insured, just as they are today and there is an additional protection for depositors because the bail-in can be invoked, and your deposits be lost, only if you have given your consent to the bank when you signed the deposit forms.   Bank deposits are the one true friend of a...

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