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.
'If the portfolio growth rate is higher, take this loan. If it is lower, liquidate your investments.'
Long-term investors should never stop their SIPs during market corrections.
'Save the entire chain of e-mail exchanges so that you have documented evidence to show you informed the bank about the issue.'
'Some buyers believe prices may correct in the future.' 'This is unlikely. Many developers are increasing prices amid strong sales and inflationary trends.'
Do not, however, enter expecting quick returns.
Do not keep a large portion of your long-term portfolio in FDs.
A rider is a supplementary cover which can be purchased with the base policy by paying an additional premium.
Only investors with a higher risk appetite should enter these funds.
Health insurance coverage should be hiked periodically to keep pace with medical inflation, or increase in healthcare costs.
'Avoid rushing into any financial transactions or disclosing personal information.'
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
Investors should use a mix of active and passive funds.
Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.
Customers who possess gold jewellery but are either being denied a personal loan or are being asked for a high interest rate due to their poor credit profile may consider a gold loan.
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