'They take care of the problem: How can I ensure my child's education and other goals are not compromised, even if I am not around?'
'Arbitrage funds make the most sense for those in the 30 per cent tax bracket, are viable for those in the 20 per cent bracket, but less so for those in the 10 per cent bracket.'
Investors should match their investment horizon with the fund's portfolio duration.
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
'A dynamic bond fund acts like a gilt fund in a rate cut scenario and like a conservative short-term bond fund when rates rise.'
'Assess the property in terms of type, size, location and price point, and whether it fits into your budget.' 'If it checks out on these fronts, one may consider the accompanying offers.'
Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and benefit from the long-term trends of demand and macroeconomic shifts.
If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
Using credit or debit cards abroad can prove costly.
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
'Allocate up to 20 per cent of your core equity portfolio to quality funds.'
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
Self-employed individuals often face hurdles in buying term insurance due to financial documentation that doesn't fully reflect their earnings. This complicates underwriting.
While festive offers can reduce costs, borrowers should also consider the lender's transparency and service quality. Customers need to be mindful of their repayment capacity.
'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture during travel, or a fall in the bathroom.'
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
'Credit card debt comes with high interest cost and stringent penalties.' 'If you do not repay on time, the costs balloon.'
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
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