Experts say you may invest in small-sized funds and benefit from their nimbleness.
Novices should enter markets via SIPs of equity mutual funds.
Now that the National Pension Scheme offers more choices than the Employees Provident Fund, is more transparent and also allows to choose the level of allocation to equities as investors like, should one switch to the NPS?
Given that the ETF has given exceptional returns over the past year, start small and buy more in a staggered manner.
Software employees can opt for company-run programmes, online courses, boot camps to upgrade skills.
From April 1, subscribers will be able to change investment option & asset allocation twice a year, instead of once. Use greater flexibility offered by pension scheme judiciously.
Before participating in such a scheme, do a detailed background check of the company's credentials, especially if the promised returns are unrealistic.
While it may be justifiable to pay a higher expense ratio in a fund that outperforms, you should definitely exit one whose performance is below par, says Sanjay Kumar Singh
'Avoid taking excessive credit risk via mutual funds such as high-yield fixed maturity plans and credit opportunity funds.'
BoB's offer of a lower home loan rate to customers with credit scores of 760 and above makes it incumbent on everyone to pay heed to this all-important number.
When looking at fund returns, avoid looking at just the past 12 months' performance, says Sanjay Kumar Singh
Losing a phone has become even more costly after the government's push for a cashless society
These funds carry low risk and should be able to beat the returns from fixed deposits.
Prepare your replies with expert help, if necessary. Keep relevant documents ready to support your replies.
Expect more volatility in the coming year as the economy and markets price in the demonetisation drive.
'The rate of interest from the EPF is still attractive compared to the rates on fixed deposits, National Savings Scheme, Public Provident Fund...'
All payments made via debit and credit cards, net banking and mobile wallets will be entitled to discounts.
How do you pick a mutual fund scheme that suits your needs?
'Even if your phone goes missing for 15 minutes, be warned.' With e-wallets playing a larger role in transactions, these precautions are a must.
Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should lock in to instruments offering higher returns.
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