'...a mix of asset classes.' 'Include equities for growth (across market caps), debt for stability and liquidity, gold as a hedge against macro and currency risk, and global assets for geographical and economic diversification.'
The RBI has flagged concerns over rising volatility in gold prices and advised lenders to exercise caution in the gold loan segment.
While investments are typically reviewed annually, risk cover is often left unchanged for years.
The deployment of the army in all sectors along the Line of Actual Control, the de facto border between India and China, is 'robust, well poised and prepared to deal with any emerging contingency'.
The largest tranche came in July, in the wake of Operation Sindoor, with the DAC according acceptance of necessity -- or initial approval -- for 10 capital acquisition proposals amounting to approximately 1.05 trillion through indigenous sourcing.
'We expect modest returns in 2026 versus the steep gains seen over the past few years.'
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
Investors encountering underperformance must be patient.
App-based communication services providers and Indian telcos are at loggerheads over the SIM-binding directions issued by the department of telecom, which are to be complied with by the end of February 2026.
A national rollout will take place after the pilot test in which SBI, PNB, Axis Bank, Bank of Maharashtra, Canara Bank, Kotak Mahindra Bank, IndusInd Bank, ICICI Bank, HDFC Bank, Indian Overseas Bank and Punjab & Sind Bank are participating.
Make sure the rider adds value rather than just adding to cost.
'Reviewing terms such as war, invasion, acts of foreign enemies or hostilities, which often appear in industry exclusion lists, can help avoid surprises at the time of claim.'
Younger customers should opt for increasing cover as their financial commitments are likely to rise in the future.
Avoid donating without checking the receipt proforma showing the political party's ECI registration number and PAN.
Algo trading should be segregated in a separate account with only risk capital deployed.
Sebi has proposed allowing depositories to mark such pledged shares as 'non-transferable' for the duration of the lock-in period, based on instructions from the issuer.
'An asset must generate income. Equities yield dividends, bonds pay coupons, deposits give interest, and real estate earns rent.' 'Gold, silver, and even Bitcoin produce no income, they merely store value. So, they should not be compared to productive assets.'
Passive funds appeal to investors seeking to avoid the risk of underperformance by the fund manager and minimise the need for frequent chopping and changing of funds.
Beginning November 1, 2025, bank customers can name up to four nominees for their accounts and lockers.
'Reinvention is not a hugely difficult task. With technology as available today, you can reinvent yourself pretty quickly.'
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