'Continue with your SIPs to get the benefit of lower average prices in this challenging market environment.'
Be wary of co-operative banks which have historically been most vulnerable.
'While many policies say that they will cover mental illnesses, the wordings of a few still have mental illness as a permanent exclusion.' 'After the new IRDAI circular, such exclusions should go away.'
Suppose you had bought a television set that came with a one-year warranty. It breaks down two years after purchase. You can't react emotionally and say that such an expensive set should last for at least five-six years.
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.
Before opting for this scheme, consider how EPS is calculated.
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.
Many investors want to exit equities now and re-enter when they begin to rise. Such timing is difficult to pull off.
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.
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.
Despite its recent underperformance, gold must be a part of your portfolio.
Many retail investors, who are experiencing their first bear market, are shocked at the erosion in the value of their mutual fund (MF) portfolios. The pain is especially acute for those who had taken excessive exposure to sector/thematic and small-cap funds. Even international diversification has failed to stanch the bleed in this downturn.
If you pledge market-linked instruments and their value plummets, you will have to provide additional collateral, points out Sanjay Kumar Singh.
'A policy that covers a wider range of diseases will offer greater peace of mind.'
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