'Go for a base cover of Rs 10 lakh and then buy a super top-up of Rs 90 lakh.'
'The rise in SIP contributions has created a pool of long-term MF assets that can be pledged for loans.'
Market downturns or regulatory shifts can reduce liquidity, making it harder to buy or sell assets when needed.
A home insurance policy covers damage from earthquakes, fires, explosions, floods, landslides, cyclones, storms, aircraft damage, and acts of terrorism.
'Buyers should be provided either a fixed possession date or a firm date for the start of construction.'
Younger investors with long investment horizons may continue their SIPs.
'Once filed, it cannot be revised or rectified.'
The ideal time to invest in sector funds, is during a downturn so that investors can capitalise on a turnaround in 1.5 to 2 years.
Purchase health insurance early while you are disease-free. 'It might become very difficult to get a comprehensive health cover for someone who has already had cancer.'
'If the markets correct further, PSU stocks could continue to decline.'
Regularly monitor your account for any suspicious activity. Keep your devices updated with the latest security patches to prevent vulnerabilities. Ensure the physical wallet you use is stored securely to avoid loss or theft.
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
New investors should gradually build a 5 to 10 per cent allocation to gold.
Goldman Sachs expects gold to reach $3,150 per ounce in the international market by December 2025, up around 19.1 per cent from its current level of $2,645, according to a recent report in Business Standard. Domestically, gold is trading at Rs 76,018 per 10 grams after delivering a remarkable 21.9 per cent return in the past year.
Link your UPI app to a separate bank account or wallet that has only a limited sum.
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
Only investors with knowledge of cryptocurrencies, long-term conviction, and a long horizon should invest in this asset class.
'They take care of the problem: How can I ensure my child's education and other goals are not compromised, even if I am not around?'
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
'Ensure that all property-related documents are up-to-date.' 'Relying on outdated documents can create legal complications.'
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