Linking all new floating rate loans to an external benchmark won't impact existing borrowers, so customers who have taken long-term home loans recently should watch things carefully, say Joydeep Ghosh and Sanjay Kumar Singh.
'Investors should allocate about 5% to 10% to such funds.'
The best part is that an investor gets price appreciation and earns interest income as well, which is unique only to sovereign gold bond.
UPI transactions are growing faster, but wallets remain relevant for those without a bank account and seeking cashbacks.
Analysts say investors should increase their exposure to gold up to 10% of their portfolio, depending on their comfort with a 2-year horizon. But avoid investing in physical gold or deposit schemes run by jewellers
Don't forget to ask for quarterly audited statement of transactions in your account. This will make it easier for you to calculate your tax liability and pay it on time.
Those willing to take a higher risk for higher returns can look at AAA-rated non-convertible debentures from reputed issuers.
Keki Mistry, bottom, left, vice-chairman, Housing Development Finance Corporation (HDFC), tells Joydeep Ghosh that debt fund investors could become risk-averse, leading to problems for other non-banking financial companies.
'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
'For the RBI, it is also strategic to allow the rupee to over-depreciate, then come and buy the rupee, and benefit from its appreciation. Speculators who have driven the rupee too low then make losses,' says Ashima Goyal.
Experts suggest that it's best to go for the bundled product that has only one-year own damage cover.
Despite returns from gold down over 5% in the past three months, it is a good idea to keep this asset class in your portfolio.
The recommendation, if implemented, is likely to face opposition from the government's key support base among Hindu traders and businesspersons.
'If an investor wants to clone an ace investor's portfolio, s/he will be better off cloning the entire portfolio rather than cherry picking stocks selectively.'
If your equity gains are less than Rs100,000 in a financial year, you can breathe easy.
For the vehicle-owner, the overall cost of buying a car can go up by 2% to 3$%. For two-wheelers, the cost can rise by 1% to 1.5%
Sooner the investors shift, the better it is as a majority of equity funds have single-digit returns since January 31.
Using a Living Will, individuals can specify that they don't want any resuscitation if the death is apparent.
For investors, every cost-saving means higher returns.
Tinesh Bhasin explores the limitations of rights granted to homebuyers under the Insolvency and Bankruptcy Code.
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