If you are planning for a long-term goal like your child's education in a foreign university, invest about 20% of your portfolio in foreign assets that can provide a hedge against the rupee's depreciation.
Why the case for investing in passive funds is becoming stronger.
Restrict investment to Rs 50,000 for tax benefits, experts tell Sanjay Kumar Singh, but caution that taxation at maturity and compulsory annuities are dampers.
'Some cases do not get a single hearing for 6 to 8 months, while some have been pending for as long as 8 years.'
If you leave too much money lying in your trading account or hand over your securities to brokers, there is always the risk that they could use it to trade in the markets.
If your case is picked up for random scrutiny, any of the tricks that you or your financial advisor may have used to avoid tax will be easily detected.
Also build a contingency fund equal to 9 to 12 months of expenses.
Instead of getting confused by what agents tell you, check waiting period, claim-settlement ratio, price comparison etc to make the right choice.
Move 10 per cent of your portfolio to the yellow metal.
'As an investor, I either have to exit my investments in the next three months or use dark pools or cash to transact. For a normal investor, it will be almost impossible to transact in bitcoin and other digital currencies.'
The average difference in expense ratios between a regular and direct plan is 100 to 120 basis points. For those who need hand holding, spend the 100 to 120 basis points and get advice on the right schemes that suit you. Don't land up buying a scheme with low expense, but lower returns.
After the Delhi high court's ruling, blanket exclusion of genetic disorders from coverage is likely to become a thing of the past.
Apart from sustaining your portfolio when the domestic market is faring well, global diversification also safeguards it against currency risk.
With home loan rates headed north, experts advise how borrowers should cope with their rising liabilities.
While seniors seeking a regular income should switch to debt funds from balanced funds, younger investors should invest in balanced funds after understanding their risks.
Raising equity exposure to 50 per cent in the National Pension Scheme will benefit young investors, provided they can stomach higher volatility.
The banking sector's credibility is on thin ice. Unless the government takes strict steps, things could get worse.
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
The problem here is that internal auditors are good at accounts, but they are not trained to track foreign exchange transactions
Limit your investment in cryptocurrencies and make sure you have current holdings in your own custody until regulatory cloud blows over, experts tell Sanjay Kumar Singh.
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