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.
Also build a contingency fund equal to 9 to 12 months of expenses.
Instead of getting confused by what agents tell you, check waiting period, claim-settlement ratio, price comparison etc to make the right choice.
Move 10 per cent of your portfolio to the yellow metal.
'As an investor, I either have to exit my investments in the next three months or use dark pools or cash to transact. For a normal investor, it will be almost impossible to transact in bitcoin and other digital currencies.'
After the Delhi high court's ruling, blanket exclusion of genetic disorders from coverage is likely to become a thing of the past.
Apart from sustaining your portfolio when the domestic market is faring well, global diversification also safeguards it against currency risk.
With home loan rates headed north, experts advise how borrowers should cope with their rising liabilities.
While seniors seeking a regular income should switch to debt funds from balanced funds, younger investors should invest in balanced funds after understanding their risks.
Raising equity exposure to 50 per cent in the National Pension Scheme will benefit young investors, provided they can stomach higher volatility.
Limit your investment in cryptocurrencies and make sure you have current holdings in your own custody until regulatory cloud blows over, experts tell Sanjay Kumar Singh.
With the introduction of 10 per cent tax both on long-term capital gains and on dividend, choose funds based on investment horizon and risk appetite, not on tax advantage, experts tell Sanjay Kumar Singh.
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
Most borrowers of loans against property pin hopes on future cash flows from their business, but in case of failure to repay the loan, the lender can repossess the property and sell it.
If banks won't lend, seek a loan from fintech lenders or P2P platforms to help you get out of a debt trap.
After giving negative or low returns from 2013-2016, the Nifty Realty Index is up a whopping 91.14 per cent, making it the best performer year-to-date. Can you still make money in this sector? Sanjay Kumar Singh finds out.
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