Opinions vary, but fund managers remain bullish.
Those who want to invest should consider their risk appetite. Youngsters may go for it as they have a longer horizon to recover from a setback.
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
Longer-tenure FDs generally give higher returns. Nonetheless, going for a tenure higher than two to three years is not advisable.
'If rate cuts happen, bond yields will come down and investors will make mark-to-market capital gains on them.'
'Exit the car and call for your vehicle to be towed.'
Find out whether the fund is equity, debt, or hybrid oriented. 'Understand the portfolio composition and whether it suits your risk appetite and horizon.'
Patience can be rewarding. 'Post-listing, sanity often returns to valuations of newly-listed businesses within six to nine months. Buy then.'
Policy owners need to avoid errors on their part to prevent claims from being denied.
These plans are best suited for individuals with a lower risk appetite as they provide guaranteed benefits.
'Try to obtain a secured personal loan or credit card by offering some collateral, such as a fixed deposit or gold.' 'Not only will this improve your eligibility, but the lender may even offer a lower interest rate.'
'Look not just at the interest rate but also the processing fee.'
If a 5% to 10% fall in the equity market gives you sleepless nights, you are not cut out for a 75% to 80% allocation to equities and must reduce it.
Avoid relying on a bank RM for investment advice. Instead, approach a Sebi-registered investment advisor whose livelihood depends on the fee paid by his customers and not on product commissions.
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
Investors looking for a fixed-income product that is free of credit risk may invest in these bonds.
'No human bias is involved as happens in active funds.'
'The stockbroker should have a good balance sheet to support its scale of operations. It should also have proper risk management in terms of margins so that it doesn't go bankrupt during extreme market movements.' 'The broker must have a track record of navigating several market cycles in an ethical and transparent manner.'
Rebalance your portfolio in case it has become overweight on equities vis-a-vis your strategic asset allocation.
Look at the sanctioned plan to know the exact carpet area you will get and pay a law firm to conduct a thorough title check.
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