Dilzer Consultants - Investments and Financial Planning

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Category: newsletter

Should you hire an expert to manage your money?

Whether a person needs an expert to manage money depends largely on the financial situation. For example , if retirement is nearby and retirement savings are not enough it is advisable to use the services of a financial expert to speed up the savings procedure. However to take care of emergency fund, track spending should be sufficient to arrive upon instances where one could spend less and save more. The financial expert one hires could make all the difference, too. […]

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The Elusive Emergency fund – Why is it needed

An emergency fund is essentially the money that is set aside to cover life’s unexpected events. This money will enable one to live for a few months should anything unforeseen happen, that leads to the need of some money to cover the unfortunate event. It should be quickly and easily accessible on occurrence of such an event. Thus the true importance of an emergency fund lies in the fact that it saves one in the event of an emergency.   […]

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Case Study – To pay capital gains tax or not

When an investment property was sold by Ashok in October 2016, he had 6 months to invest in Sec 54EC capital gains bonds to avail tax exemption on the capital gains arising from the sale of his property purchased in June 2005. To avail Sec 54EC exemption, the entire capital gains that arise from sale of the property after indexation benefits are applied, should be invested in bonds specified by the Government(NHAI, REC, NABARD) for a period of three years. […]

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Emergency fund- Ways to build and how much is needed

Besides a savings account, one should also have money set aside for a financial emergency –  any emergency which is unplanned and unexpected. A financial emergency differs from case to case. However an emergency is something that one needs to plan ahead for by saving because when it occurs it takes someone by surprise and should not create a financial dent.A financial emergency can be due to A medical emergency Job loss or extended leave Death of a family member […]

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Ways to ease your Tax Burden

As the financial year ends, term TAX sounds TAXING to all individuals who are earning! Tips to save Income tax for Salaried Person Explore Section 80C,Section 80CCC, and Section 80CCD, and in combination, you could claim a deduction of 1,50,000 maximum.You can invest in PPF account, five-year tax saving Fixed Deposit, Pension Plans, Life Insurance Policy, Employees Provident Fund or Nationals Savings Certificate [NSC] Save tax with health insurance claims made under section 80D, Section 80DD and section 80 DDB […]

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Woman 2.0 The empowered one

Today’s woman is empowered, mature and has become an integral part of the decision making for the family. Majority of today’s woman clients – whether single, married or divorced have been making financial decisions that are 1. Grounded 2. Practical 3. Realistic and more importantly independent of their male counter parts. Could it be out of their experiences like divorce and separation that has made them more pragmatic and realistic on their finances? Even for married women,  building an independent […]

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Investing only to save on tax? Think again

Saving only for tax is not prudent and is not sufficient to accumulate corpus Primarily a person should not invest only for the sake of saving taxes. Tax planning is but a small component of a person’s investment portfolio. One should invest keeping in mind his/her larger financial needs and goals and should think about and investigate the pros and cons of products before taking the final investment decision towards accumulating his corpus needed. One needs to choose the investment […]

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