 | Invest for returns, not to save taxInvesting is a habit that needs to be developed and the motive should be to generate capital appreciation; the scramble at the end of the financial year to save on tax is to be avoided |
 | Aadhaar now a must for post office deposits, Public Provident Fund, Kisan Vikas PatraThe government has given existing depositors time till December 31 to provide the 12-digit unique identification number. |
