Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
Even if you have a comprehensive motor insurance policy, it may not provide sufficient protection against monsoon-related risks.
'LAP is suited for borrowers with a steady income, sound repayment discipline, and a clear repayment plan.'
Deductions missed in Form 16 can still be claimed while filing ITR.
A higher TER means a larger portion of the return goes to the AMC, leaving less for the investor, unless compensated by higher returns.
Some individuals opt for the new regime without a comparative analysis of the tax liability under the two regimes.
Tenants should primarily buy contents insurance. 'This covers personal belongings like electronics, furniture, clothes, and appliances against risks such as fire, theft, floods, and other natural calamities.
Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
'Investors' decisions should reflect their financial goals, risk tolerance, and the amount of gold already present in their portfolio.'
Targets should avoid panicking and hang up. 'Disconnecting stops the scammers from building psychological pressure.'
The Securities and Exchange Board of India (Sebi), in a circular dated April 11, 2025, warned investors about rising fraud and manipulation linked to the securities market on social media platforms.
With the RBI infusing Rs 7.5 lakh crore in liquidity -- and possibly more in the future -- the short- to medium-term corporate bond market is expected to benefit.
Inflows into sector and thematic (S&T) funds fell sharply from around 5,711.6 crore in February 2025 to about 170.1 crore in March 2025 - a decline of 97 per cent. With many such funds underperforming, investors need to assess whether to remain invested or exit.
One should avoid keeping excessive funds in one's savings account.
Investors should avoid making drastic changes to their asset allocation during a market correction.
'Choose an FD tenure that provides a balance between returns and the horizon for which you can invest.'
'Go for a base cover of Rs 10 lakh and then buy a super top-up of Rs 90 lakh.'
'The rise in SIP contributions has created a pool of long-term MF assets that can be pledged for loans.'
Buying makes sense for those planning to stay in a city for at least 7 to 10 years. Financial preparedness is crucial.
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