How much cash to hold in a savings account while waiting for a market correction?

Holding cash can provide comfort when markets are uncertain, but keeping too much on the sidelines can hurt long-term wealth creation. Here’s how to decide what to hold and what to invest.

Buying a car? Here’s how much of your income you should actually spend

Reverse mortgage: Your house could pay you back but there's a catch

6 reasons why you should bring a Vastu brass turtle in your home for financial prosperity and success

Vastu Turtle Benefits: Did you know that the small brass turtle on your shelf could change your luck? According to Vastu Shastra, the tortoise is considered a very auspicious symbol and an indicator of harmony. Adding it to your home can solve your money problems and bring happiness and prosperity to your entire family. If you are planning to achieve success in your professional or business life, a brass tortoise would be an excellent choice....

Aiming to build long term wealth? Experts suggest these steps to build financial capability

India is set to add 10 crore long-term investors by 2035 as wealth creation expands to tier 2 and 3 cities. Today, we discuss what steps investors aiming to build long term wealth should take to gain financial capability.

Rs 22 lakh-crore global green hydrogen boom: 3 stocks eyeing India’s 5 MTPA goal

India’s ₹17,490 crore green hydrogen push is gaining momentum. Explore how 3 companies are tapping the ₹22 lakh crore global market by building capacity and developing hydrogen projects as countries shift toward clean energy.

5 things you should never discuss at work

Five money habits that can keep you financially secure for years

A higher salary does not automatically make a person financially secure. It is possible to earn well and still have little money left at the end of the month. On the other hand, someone with a modest income can build a stronger financial cushion by making a few habits part of everyday life. The first is to know where your money is going. This sounds basic, but many people track investments more carefully than they track spending. Keep an eye on...

Petrol, diesel prices today, October 12: Check fuel rates in Delhi, Mumbai, Kolkata, Chennai

Petrol, Diesel Prices Today, October 12: Petrol and diesel prices remained largely unchanged across major Indian cities on Monday, October 12. In New Delhi, petrol is priced at Rs 102.12 per litre, while diesel costs Rs 95.20 per litre. In Mumbai, petrol is available at Rs 111.21 per litre and diesel at Rs 97.83 per litre.Fuel prices are revised daily at 6 am under India’s dynamic fuel-pricing system. Indian Oil Corporation (IOC) says daily...

Man laid off in his 40s reveals 3 things that changed after losing his job: 'It actually has major benefits'

Losing a job in your 40s can bring stress, especially after years of building a career. But one man who went through a mid-career layoff says the experience also changed the way he looks at friendships, money and work.The man, who runs the Instagram account ‘Midlife Reboot’, describes himself as an “18 yrs corporate leader” who was laid off. His profile says, “Proving that a midlife layoff isn’t the end, it’s the reset.”He Says A Layoff Shows...

Top 5 highest-grossing superhero franchises: Does Marvel beat DC at the box office?

Discover which superhero franchise is the highest grossing one till date. From Spider-Man to Batman, read ahead to find out whether Marvel dominates at the box office over DC here.

Indian couple studying in Ireland spends Rs 3.25 lakh a month, shares detailed expense breakdown

Studying abroad can come with a hefty price tag, but how much does it actually cost to live in one of Europe’s most expensive cities? From rent and groceries to shopping and eating out, everyday expenses can quickly add up. An Indian couple pursuing their master’s degrees in Dublin, Ireland, has shared a breakdown of their monthly spending, revealing how their expenses cross Rs 3 lakh. The video was shared on Instagram by Sayali and Vaibhav, who...

The richest man in history had more wealth than entire countries

It sounds exaggerated. But by most historical estimates, the richest person to have ever lived wasn’t a modern billionaire. It was Mansa Musa, a 14th-century ruler of the Mali Empire.And his wealth wasn’t just large. It was on a completely different scale.Mansa Musa ruled over one of the richest regions in the world at the time, covering large parts of West Africa. This wasn’t just any territory — it was one of the main sources of gold, which...

Gallantt Ispat share price jumps 15% | What’s driving the rally? Key levels to watch

Gallantt Ispat surged over 15% on 12 October amid high trading volumes, despite a weak market. Analysts said the broader trend remains cautious, citing support near ₹500 and resistance around ₹600 to ₹650. Investors are also watching the company’s ₹3,000 crore expansion plan and FY27 growth.

Confirmed booking cancelled in Munnar; hotel and booking platform to pay family Rs 40,000

The platform told the commission that it had offered to help arrange alternative accommodation costing up to Rs 20,000 per room.

Cancer tarot horoscope today, October 12, 2026: Financial matters will strengthen, keep focus on work

Today's Cancer Tarot Card Reading Prediction, October 12, 2026: Avoid neglecting business policies. Maintain a spirit of cooperation. Avoid arguments and disputes. Progress through social interaction. Will increase confidence in artistic skills.

Warren Buffett’s surprisingly simple rules for beating stress anyone can follow

As he prepares to step back, Warren Buffett’s enduring habits reveal a surprisingly simple way to manage stress.

Not your money or muscle: Women find these three traits attractive in men as per globally acclaimed dating coach

Women are undeniably attracted to men who exhibit quiet confidence and a great sense of humor. Beyond material possessions or looks, it’s the ambition fueled by meaningful passions and well-defined goals that truly captivates them. A man who recognizes his value and follows a clear path in life is incredibly appealing, as these qualities foster a joyful and fulfilling partnership.

Nifty outlook: Reversal ahead? ICICI Direct's Dharmesh Shah sees 23,500 target above 22,800; key levels to watch

Nifty Outlook: Shah noted that the Nifty navigated a volatile week marked by escalating geopolitical tensions, rising crude oil prices and higher US 10-year Treasury yields.

Finance expert shares how much money you should have saved by 30, 40 and 50 to stay on track with long-term goals

From emergency funds to retirement planning, finance expert reveal age-wise savings goals for your 30s, 40s and 50s.

US green card suspension: What happens to stocks, savings and property if someone returns to India after the H-1B visa row?

US green-card programme suspension: The United States has again stitched on its aggressive cut-down technique. The Trump administration has surprisingly suspended 8 major giant tech companies from the US government’s Permanent Labour Certification (PERM) programme. The list includes Microsoft, Infosys, Cognizant, Tata, Wipro, HCL Technologies, Capgemini and Adobe as well. This suspension move is set to affect the green-card applications of...

‘I couldn’t buy until I was 43’: Why more people get on property ladder in later life

More people, like Liz Johnson, are getting on the property ladder later in life, research shows

Why do Ozempic and Mounjaro work for some people but not others?

These breakthrough diabetes and weight-loss medications have transformed millions of lives, but not everyone responds in the same way. Genetics, biology, lifestyle and disease stage all influence their effectiveness

Gurugram woman spends over 50% salary on rent, shares why she wouldn't change it

A Gurugram woman said she spends more than half her salary on rent to live a four-minute walk from work. Her video prompted debate over whether convenience and peace are worth sacrificing savings and SIPs.

Is no-cost EMI always free? The catch buyers should know before opting for it while shopping online

No-cost EMI offers can hide extra expenses, despite being advertised as interest-free. Here's what customers should know before they opt for this route.

UPI MDR may push costs onto consumers despite surcharge ban: IIT Bombay report

New Delhi [India], October 12 (ANI): The revised fee framework for Unified Payments Interface (UPI) transactions could indirectly burden consumers through higher retail prices, even as merchants are barred from directly passing on the charges, an IIT Bombay report has warned, calling for changes to the proposed model.The report estimates that the Merchant Discount Rate (MDR) framework could generate around Rs 18,000 crore annually for payment...

Completely different realities: 22-year-old techie compares life with childhood friend earning Rs 35 LPA

A 22-year-old tech professional has sparked an online discussion after reflecting on how his career has diverged from that of a childhood friend who now earns Rs 35 lakh per annum (LPA). Despite scoring almost identical marks in their Class 10 examinations, the two have taken different paths, leaving him questioning whether his own decisions have held him back. In a post on X, Gandharva described the emotional toll of watching someone who once...

JPMorgan employee started a free run club to make friends. It earned him over Rs 6.1 crore in a year

The club began as a way for him and others to make friends but has since grown into a large social fitness network, attracting more than 30,000 attendees to its events in 2025.

Should you keep a 100% equity portfolio? Here's what 20 years of data reveals about risk-adjusted returns

A 100% equity portfolio delivered better long-term gains, but the picture changes when volatility enters the equation. Data spanning 20 years show how a fixed-income instrument and a 50:50 mix compare in terms of risk-adjusted performance, revealing a different side of portfolio returns.

Income tax for senior citizens: No salary after retirement? These 7 incomes can still attract tax; know what is exempt

Retirement is not synonymous with tax freedom. Your pensions, interest income, rental earnings, and capital gains may still incur taxes. It's crucial to identify which income streams are subject to taxation and which advantages remain untaxed to prevent errors and manage your finances wisely. Learn strategies to legally minimize your tax responsibilities after retirement and bolster your financial stability.

Ashoka, Iron Pillar launch report on ways to boost India-Japan eco ties

NEW DELHI: Ashoka University and venture capital firm Iron Pillar have launched a report exploring ways to deepen economic cooperation between India and Japan across technology, finance, manufacturing and talent mobility. Titled India-Japan Economic Corridor: Technology, Finance, and the Future of the Indo-Pacific, the report was launched at the In...

How much money is considered rich in America? $2.3 million may be the benchmark, but where you live changes everything

There is no number that suddenly makes a person rich. Still, Americans have a figure in mind. A 2025 Charles Schwab survey found that people believe an average net worth of $2.3 million is needed to be considered rich. That is a useful glimpse into how Americans view wealth, but it is not a fixed rule. Two households with the same amount of money can have very different financial lives.

From no dividend to 3.5% yield: This PSU bank’s profit-led comeback is not over

A fast-growing PSU bank has delivered a record ₹19,187 crore profit, improved asset quality, and a 3.5% dividend yield. Can its earnings sustain future payouts?

Indian rupee strengthens in offshore market after RBI measures

One-month non-deliverable forwards showed the rupee strengthening as much as 2.7% to 94.17 per dollar before paring its gain to 0.7%.

Japanese proverb of the day: "Getting money is like digging with a needle. Spending it..."

Money is one of life's greatest necessities. Yet earning it often takes patience, effort and sacrifice. A traditional Japanese proverb captures this truth perfectly. "Getting money is like digging with a needle. Spending it is like water soaking into the sand".It reminds that wealth is difficult to build but remarkably easy to lose. What does this proverb mean?The proverb compares earning money to digging the ground with a tiny needle. It is...

GK: Why does the dollar sign have an ‘S’ in it?

The $ symbol is among the world’s most recognisable signs, instantly associated with money and wealth. But its unusual shape has a fascinating history, with its roots tracing back beyond American currency. (Image-AI)Before the U.S. established its own monetary system, American colonies used British pounds, shillings and pence. Continental currency introduced dollars in 1775, while Congress officially adopted the dollar in 1785. (Image: Canva)The Spanish peso was widely used across international trade and became particularly important in America. Known as the “peso de ocho reales”, it continued as legal tender in the U.S. until 1857. (Image: Canva)One leading explanation links the symbol to merchants abbreviating “Spanish peso”. They wrote a lowercase “p” over an “S”. Over time, repeated use simplified the combination into today’s familiar dollar sign. (Image: Canva)Another theory connects the symbol to Spain’s coat of arms and the Pillars of Hercules. A different claim says it combines “U” and “S”, but historians have found little evidence supporting it. (Image: Canva)The symbol appeared in American printing by the late 1790s, reportedly through Philadelphia printer Archibald Binny. It was initially used in ledgers and print, before appearing on banknotes in 1869. (Image: Canva)The $ sign is now used for currencies including the Canadian and Australian dollar, along with several pesos. Its presence on early keyboards also helped make it useful across programming languages. (Image: Canva)

5 wardrobe essentials every corporate girl must have to look expensive and polished

If every morning feels like an exam you have to pass with that same question popping like "What should I wear?" and "How do I look good?" you're not alone. For corporate girls, looking polished every day shouldn't be a daily hassle. The trick is owning a few key pieces that do the work for you. Corporate Wardrobe Essentials Here are a few key pieces you need to own to look polished every day, without the daily hassle. 1. Satin Shirt This is the...

7 lucky plants that bring money, positive energy, and calm

There’s something almost magical about walking into a home filled with plants. The air feels lighter, the mood softens, and even the quiet corners seem more alive. Beyond their beauty, many people believe that certain plants carry the power to attract luck, wealth, and good energy. As city living becomes more fast-paced, people are turning to greenery not just for aesthetics but for emotional comfort. Plants help purify the air, reduce stress,...

Entrepreneur reveals why staying in India over studying abroad was worth it

The entrepreneur chose to stay in India 17 years ago despite having multiple offers to study abroad.

Ashish Kacholia, Mukul Agrawal, others invest Rs 120 crore in IPO-bound Fusion CX

Ace investors Ashish Kacholia and Mukul Agrawal-backed Sanshi Fund, along with Kotak Mahindra Life Insurance, acquired a combined 3.19% stake worth Rs 120 crore in Fusion CX ahead of its Rs 702 crore IPO opening on October 14.

Bigg Boss Tamil 10: Rs 10,000-40,000 per day; here's how much each contestant earns per day

Bigg Boss Tamil Season 10 has been making news not just for its tasks, nominations and eliminations but also for reports on how much contestants earn during their stay in the house. As per the latest reports, the contestants are in different remuneration brackets, and their daily salary is reportedly between Rs 10,000 and Rs 40,000. The current season is hosted by Vijay Sethupathi and includes a mix of commoners and well-known television...

October money feng shui: Place jade in your wealth corner; skip bedrooms and bathrooms

Jade is highly valued in Chinese culture for its connections to wealth and prosperity. This green stone is believed to attract money and promote financial stability through various feng shui practices. Individuals often enhance their wealth corners with jade items like sculptures or tumbled stones. To maximize jade's benefits, it should be cleansed before placement and kept away from cluttered areas.

₹2,459 crore Ponzi case: ED alleges investor funds routed through family accounts and firms; 35K duped — details

The Enforcement Directorate has filed a prosecution complaint against five individuals and entities over an alleged ₹2,459 crore Ponzi scheme that reportedly defrauded more than 35,000 investors. Alleged mastermind Shivanand Siddappa Neelannavar, arrested on August 13, remains in judicial custody.

Cybercrooks use fake SIR form to dupe senior citizen of ₹8L

Pune: An elderly man from BT Kawade Road lodged a complaint with Mundhwa police, saying that online fraudsters, who posed as ECI officials, cheated him of Rs 8 lakh by sending him a fake SIR form online between Oct 1 and 3.Get breaking news anytime, anywhere. Download the TOI app now!The suspects allegedly installed remote access software in the vi...

Market rout forces Centre to put OFS plans on hold | Profit exclusive

The Centre has put four to five planned stake sales on hold for H2 FY27, with Indian Overseas Bank and Hindustan Zinc among the potential transactions affected.

Gold steady as markets strap in for inflation data

Gold prices showed little movement as early Asian trading commenced, with many awaiting US inflation data this week. Spot gold remained steady after reaching a one-week high on Friday, while US gold futures saw a slight increase. Key data to be released includes the Consumer Price Index and Producer Price Index reports on Wednesday and Thursday. Rising interest rates have impacted gold's attractiveness as an investment, amid ongoing economic...

She had a prestigious Wall Street job – two drinks exposed her paycheck-to-paycheck reality

Vivian Tu executed billion-dollar trades for Wall Street hedge funds, yet lived paycheck to paycheck and once had her card declined at a crowded bar. She had to wait until 12:01 for her paycheck to reach her bank account before she could settle the tab. A decade later, she reveals how financial literacy, investing, online banking and modern money tools helped her escape the financial chaos hidden behind an impressive career.

Paul Black’s 3 thumb rules for identifying great wealth creators

Veteran portfolio manager Paul Black’s investment framework focuses on identifying businesses with competitive advantages that strengthen over time. His three key rules emphasise widening moats, strong corporate cultures and improving returns on invested capital, while patience and an information edge can help investors identify and hold potential long-term wealth creators.

Jio Platforms IPO: Company's free cash flow surges to Rs 42,071 crore, leverage falls

Jio Platforms Ltd has strengthened its balance sheet and significantly improved cash generation ahead of its proposed initial public offering (IPO), positioning the company for its next phase of growth.The company’s net leverage ratio declined to 0.36 times in FY26 from 0.88 times in FY24, reflecting lower reliance on debt and greater financial flexibility. Its ability to generate cash after capital expenditure has also improved sharply,...

Rs 10 lakh investment, different explanations: why ITAT deleted tax addition and Rs 2 lakh penalty

The dispute arose after the income tax department received information about an investment of Rs 11.25 lakh made by a man with a wealth management firm. The assessing officer accepted that Rs 1.25 lakh had been paid by cheque, but the source of the remaining Rs 10 lakh, was questioned. Before considering the tax dispute, the tribunal had to address the delay in filing the appeals