Investors in international funds should have a horizon of more than five years. Not only will this help them overcome equity and currency volatility, it will also help them enjoy better tax treatment, says Sanjay Kumar Singh.
Despite returns from gold down over 5% in the past three months, it is a good idea to keep this asset class in your portfolio.
'If an investor wants to clone an ace investor's portfolio, s/he will be better off cloning the entire portfolio rather than cherry picking stocks selectively.'
If you default, it will affect your credit score and your career.
Retail investors will soon have to obtain a net worth certificate from a chartered accountant and submit it to their broker, and their trading limits will be decided accordingly.
Both NRIs and those who make payouts on sale of property need to understand the TDS provisions that are applicable or risk punishment, warns Sanjay Kumar Singh.
With the rupee slipping to nearly Rs 70 per dollar on Tuesday, most parents with children in the US will feel the pinch
Invest in liquid funds if you have a horizon of three months, ultra-short-term for six months, and low-duration funds for one year.
Ponzi schemes have characteristics that the informed investor can spot easily.
'By entering at an early age, they stand a better chance of developing into skilled investors.'
If you are bullish on the consumption theme, consider specialised mutual funds that focus on this theme. Remember that such sectoral mutual funds should not make up more than 5% to 10% of your equity portfolio.
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
China, France and Spain are emerging as hotspots for Indian students.
Customers need to weigh whether they will be better off selling their mutual fund holdings or taking a loan against it.
If you are planning for a long-term goal like your child's education in a foreign university, invest about 20% of your portfolio in foreign assets that can provide a hedge against the rupee's depreciation.
Why the case for investing in passive funds is becoming stronger.
Restrict investment to Rs 50,000 for tax benefits, experts tell Sanjay Kumar Singh, but caution that taxation at maturity and compulsory annuities are dampers.
'Some cases do not get a single hearing for 6 to 8 months, while some have been pending for as long as 8 years.'
If you leave too much money lying in your trading account or hand over your securities to brokers, there is always the risk that they could use it to trade in the markets.
If your case is picked up for random scrutiny, any of the tricks that you or your financial advisor may have used to avoid tax will be easily detected.
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