A term plan's premium is lower than that of a wholelife plan.
In contrast with their strong performance in 2020 and 2021, pharmaceutical and healthcare funds experienced a decline in 2022, with returns plummeting by an average 9.8 per cent. This trend has continued in the current year, with year-to-date return remaining in the negative (-4.9 per cent). In the past three months, pharma funds have been hit hard, experiencing a 7.9 per cent decline.
Buy from an established agent rather than a novice who may not be around when you need his assistance.
Before opting for this scheme, consider how EPS is calculated.
Going through the credit report regularly will make you aware of a number of issues. One is identity theft.
While most borrowers calculate the gain they stand to make from switching to a lower interest rate, they often fail to take into account all the costs.
Improved credit profile may make you eligible to transfer your existing home loan to another lender at a much lower rate.
A person who has cancer and doesn't have any health insurance will find it difficult to buy a regular hospitalisation cover. An indemnity-based cancer plan may cover them.
Silver, which is currently trading at Rs 68,453 per kilogram, has appreciated 21.7 per cent over the past three months. Investors, however, shouldn't get carried away by its recent performance and put their money in it. Instead, they should evaluate its pros and cons and then take a considered decision based on their risk appetite.
Make sure that the person you are buying the plot from is the rightful owner.
Rebalance the portfolio at least once a year to ensure it remains in sync with the target asset allocation.
Don't exit from growth-style funds as they may benefit next from a shift in investor preference.
Many investors want to exit equities now and re-enter when they begin to rise. Such timing is difficult to pull off.
'Comparing the rates of interest with PSU banks, the three- and five-year time deposit rates of the post office are more favourable.'
Besides high portfolio yield, investors may enjoy capital gains in debt funds in 2023 as bonds rally in anticipation of rate cuts.
End users should take the plunge despite higher home loan rates as these tend to be cyclical.
Make sure buying a house won't lead to compromises on other crucial financial goals.
Given the prevailing uncertainties, investors must maintain a 10-15 per cent allocation to gold in 2023.
'AI can be very useful for making analysis and especially making city-based local forecasts.'
The rupee depreciation will work in favour of students who are currently studying in the US and plan to secure a job that pays in dollars.
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