With the rupee slipping to nearly Rs 70 per dollar on Tuesday, most parents with children in the US will feel the pinch
Invest in liquid funds if you have a horizon of three months, ultra-short-term for six months, and low-duration funds for one year.
Ponzi schemes have characteristics that the informed investor can spot easily.
'By entering at an early age, they stand a better chance of developing into skilled investors.'
If you are bullish on the consumption theme, consider specialised mutual funds that focus on this theme. Remember that such sectoral mutual funds should not make up more than 5% to 10% of your equity portfolio.
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
China, France and Spain are emerging as hotspots for Indian students.
Customers need to weigh whether they will be better off selling their mutual fund holdings or taking a loan against it.
Importantly, is there hope going forward?
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.
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