Linking all new floating rate loans to an external benchmark won't impact existing borrowers, so customers who have taken long-term home loans recently should watch things carefully, say Joydeep Ghosh and Sanjay Kumar Singh.

Focus on large-caps and ensure that the portfolio is balanced.

Don't spread your investments too thin.

Expect more volatility in the coming year as the economy and markets price in the demonetisation drive.

'The rate of interest from the EPF is still attractive compared to the rates on fixed deposits, National Savings Scheme, Public Provident Fund...'