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.
'Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery.'
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.
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.
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.'
Buying makes sense for those planning to stay in a city for at least 7 to 10 years. Financial preparedness is crucial.
Review your family emergency fund and replenish it if needed. Revisit financial goals to see if there is any change in timeline or the corpus required.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
Total market funds are ideal for long-term investors who prefer a simple, hands-off approach, making them suitable for those unwilling to manage multiple funds.
ELSS investments require a long-term commitment of at least seven years.
'Some part could be used for consumption purposes, and the rest could be used to meet important financial goals.' 'The split can be 30:70 to 50:50, depending on one's situation.'
The old tax regime remains unchanged. 'Taxpayers opting for it will continue to follow the existing slab rates and deductions.'
'They are ideal for short-term financial goals like children's education or a down payment for a house.' 'They are also useful for transitional savings, such as during job switches or while starting a business.'
'If you are not prudent, you may exceed your budget, and if it happens too often, you may end up in debt.'
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
While basic policies focus on structural damage, comprehensive ones extend to household contents like furniture, electronics, clothing, and other personal belongings.
Health insurance claims are often denied due to exclusions in policy terms. Buyers frequently overlook the fine print or misinterpret clauses.
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