One fear among regulators is that allowing side pocketing could lead to fund managers taking higher risks. Even in the US, side pocketing is not allowed in mutual funds, only in hedge funds
If your fund's expense ratio has risen dramatically after Sebi's recent changes, compare it with the category average before switching.
The best part is that an investor gets price appreciation and earns interest income as well, which is unique only to sovereign gold bond.
While buying health policies, customers should reveal any pre-existing diseases. This is the only way to ensure that the insurer does not reject claims.
UPI transactions are growing faster, but wallets remain relevant for those without a bank account and seeking cashbacks.
'For the same level of return, you can reduce portfolio volatility significantly with a 10% to 15% exposure to international funds.'
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.
'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
With the rupee crossing Rs 72/dollar in recent times, things suddenly don't look too good on several counts.
Experts suggest that it's best to go for the bundled product that has only one-year own damage cover.
It makes sense to shift to a home loan provider offering a lower interest rate or make occasional prepayments by using bonuses or other windfalls, says Sanjay Kumar Singh.
Investors in international funds should have a horizon of more than five years. Not only will this help them overcome equity and currency volatility, it will also help them enjoy better tax treatment, says Sanjay Kumar Singh.
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.
'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 you default, it will affect your credit score and your career.
Retail investors will soon have to obtain a net worth certificate from a chartered accountant and submit it to their broker, and their trading limits will be decided accordingly.
If your equity gains are less than Rs100,000 in a financial year, you can breathe easy.
Both NRIs and those who make payouts on sale of property need to understand the TDS provisions that are applicable or risk punishment, warns Sanjay Kumar Singh.
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