Himali Patel

All stories by Himali Patel

What Type Of Personal Loan Could You Opt For?

What Type Of Personal Loan Could You Opt For?

Rediff.com25 Nov 2024

In addition to interest rates, review the fine print for penalties and repayment terms, and select a reputable lender to avoid harsh recovery practices.

Should You Go For Health Super Topup?

Should You Go For Health Super Topup?

Rediff.com22 Nov 2024

Ensure the sum insured for the super topup is enough to cover even worst-case scenarios.

What's A Specialised Cardiac Plan?

What's A Specialised Cardiac Plan?

Rediff.com16 Nov 2024

Cardiac care plans are ideal for individuals with pre-existing heart conditions or a family history of heart issues. Those who can't get coverage under a comprehensive plan should opt for these plans.

Should You Invest In Arbitrage Funds?

Should You Invest In Arbitrage Funds?

Rediff.com13 Nov 2024

'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.'

Should You Avoid High-Cost Funds?

Should You Avoid High-Cost Funds?

Rediff.com12 Nov 2024

Investors should match their investment horizon with the fund's portfolio duration.

What are Dynamic Bond Funds?

What are Dynamic Bond Funds?

Rediff.com7 Nov 2024

'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.'

Right Time To Invest In Silver ETFs?

Right Time To Invest In Silver ETFs?

Rediff.com29 Oct 2024

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.

Smart Tips To Spend Your Diwali Bonus

Smart Tips To Spend Your Diwali Bonus

Rediff.com25 Oct 2024

If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.

Travelling Abroad? Use Prepaid Forex Card

Travelling Abroad? Use Prepaid Forex Card

Rediff.com24 Oct 2024

Using credit or debit cards abroad can prove costly.

How To Invest In Quality Stocks

How To Invest In Quality Stocks

Rediff.com23 Oct 2024

'Allocate up to 20 per cent of your core equity portfolio to quality funds.'

Tips To Buy Term Insurance Policies

Tips To Buy Term Insurance Policies

Rediff.com17 Oct 2024

Self-employed individuals often face hurdles in buying term insurance due to financial documentation that doesn't fully reflect their earnings. This complicates underwriting.

How To Make Best Use Of Festive Offers

How To Make Best Use Of Festive Offers

Rediff.com16 Oct 2024

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.

Why You Need Personal Accident Cover

Why You Need Personal Accident Cover

Rediff.com14 Oct 2024

'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture during travel, or a fall in the bathroom.'

How To Use Your Credit Card Wisely

How To Use Your Credit Card Wisely

Rediff.com7 Oct 2024

'Credit card debt comes with high interest cost and stringent penalties.' 'If you do not repay on time, the costs balloon.'

How Much Should You Invest In Gold

How Much Should You Invest In Gold

Rediff.com30 Sep 2024

'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'

Want To Buy SGBs From Secondary Market?

Want To Buy SGBs From Secondary Market?

Rediff.com25 Sep 2024

While SGBs are a sound investment, they aren't worth buying at any price. The interest income you earn from them will not justify paying a high premium.

Should You Invest In NBFC Bonds?

Should You Invest In NBFC Bonds?

Rediff.com23 Sep 2024

When evaluating bonds, returns shouldn't be the sole factor. Pay close attention to the bond's credit rating. It should ideally be AA or higher.

Should You Invest In Momentum Funds?

Should You Invest In Momentum Funds?

Rediff.com20 Sep 2024

Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.

What Is Policy Splitting?

What Is Policy Splitting?

Rediff.com16 Sep 2024

'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'

Considering An Education Loan? Read This

Considering An Education Loan? Read This

Rediff.com10 Sep 2024

'With tuition fees for international students rising, education loans have become critical for bridging the gap between savings, scholarship, and full cost.'

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