Intermediate

TDS stands for Tax Deducted at Source. As the name suggests, this tax is deducted by the income payer (deductor) while making a payment to the deductee. Such taxes are taken from the total amount payable by the payer and deposited with the Income Tax Department. The person paying the income and deducting the TDS is called the deductor, while the person receiving the income and on whose behalf the tax has been deducted is called the deductee.

National Savings Certificate (NSC) is one of the investment options the Government of India offers. NSC investments are received and serviced by the National Small Savings Fund, managed by the government through the interface of post offices.

While discussing the valuations of markets in general and stocks in particular, the most commonly used tool is undeniably a Price Earnings multiple (PE multiple). A PE multiple is a short-hand for the valuation process — not valuation per se — and no one should fail to make that distinction. The good thing about multiples is that they save time. However, they also incorporate a lot of economic assumptions that need to be unpacked for investors for them to accurately understand their meaning.

Dissecting the earnings multiple

After a year of policy normalisation, it is time to withstand volatility

For those who are not familiar with Murphy's Law, it is a popular cultural adage regarding misfortune in general. It is typically stated as: "Anything that can go wrong will go wrong." It is also often extended to "Anything that can go wrong will go wrong, and at the worst possible time."

Murphy’s Law was named after Captain Edward A. Murphy, a US Air Force engineer who was working on a project to see how much deceleration a person could withstand in a crash.

To minimize the interim volatility due to interest rate movement and lock-in the prevailing high yields it is prudent to hold the investments till maturity of the scheme.

With the Reserve Bank of India (RBI) following a suite of major central banks that are hiking interest rates as they battle inflation on their home turf, yields have moved up significantly since May 2022.

Exchange Traded Funds (ETFs) are passive investment instruments. They offer direct investment exposure to underlying indices or commodities like silver, gold etc. As per the guidelines of the Securities and Exchange Board of India (SEBI), an ETF must deploy at least 95% of its assets in securities of the underlying index.

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