'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
IPOs inherently carry more risks than stocks that have been listed on the exchanges for some time.
'The PAYD model adjusts the premium based on your driving habits. If you drive less, you pay less.'
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
Consider a combination of a base policy and a super top-up policy.
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
'If the borrower can't repay the loan due to lack of income or losses from speculative activities, they risk defaulting on it.' 'This could lead to the bank seizing the property.'
FDs are not advisable for long-term wealth creation as their post-inflation, post-tax returns are not very attractive.
Invest in MFs for liquidity and choice of funds. Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
In the case of double-income couples, not more than 40 per cent of the net income of one partner should be the EMI for the property.
'It's better to be over-insured than underinsured.' 'Ensure your home insurance includes STFI (storm, tempest, flooding, and inundation) cover for protection against monsoon rains.'
If the cashless request is denied, the entire cost may need to be paid for planned treatments.
By taking the mutual fund route, investors can take exposure to gilts with small amounts. Over a decade or more, returns from these funds tend to be sound.
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