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Instant gratification in finance and investing can be a bad thing. There has been a spurt in the number of shady organizations offering returns as high as 1000% in the short run, if investors follow their advice, which is normally shared through SMS and e-mail.

Your allocation to equity should depend on the riskiness of your financial goals and the time you have to achieve them.

What the pundits had been saying for a while has turned out to be true. Even the worst performing mutual fund schemes have returned more than Public Provident Fund and Fixed Deposits.

Await developments, and if gratuity is allowed earlier, make plans to invest the gratuity for your retirement as it would be a windfall gain for you.

The next time you are asked by any merchant to pay any transaction charge, simply refuse and mention the RBI circular. You can also take up the issue with your bank.

What should I do? Plan your finances before you quit. Create an emergency fund for contingencies.

What should you do: Get health insurance but check if it suits your needs.

The effective rate of Dividend Distribution Tax has increased from 20.47 percent to 20.92 percent due to an increase in surcharge. It affects only investors in dividend or dividend reinvestment options of funds.