'Use this money to build an emergency fund if you do not have one.'
Investors looking for a fixed-income product that is free of credit risk may invest in these bonds.
'No human bias is involved as happens in active funds.'
'The stockbroker should have a good balance sheet to support its scale of operations. It should also have proper risk management in terms of margins so that it doesn't go bankrupt during extreme market movements.' 'The broker must have a track record of navigating several market cycles in an ethical and transparent manner.'
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
Rebalance your portfolio in case it has become overweight on equities vis-a-vis your strategic asset allocation.
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
Look at the sanctioned plan to know the exact carpet area you will get and pay a law firm to conduct a thorough title check.
Cardiac patients whose proposals for a regular health insurance plan get turned down should apply for a cardiac-specific plan.
Choose a higher sum insured if you are going on a long trip, and if your age is above 45.
Try to assess whether the broker has good knowledge of the prices prevailing in the area you are interested in, and is able to provide the pros and cons of various projects.
Their downside is that the donor relinquishes all control over the transferred property, and certain tax implications may also arise.
Keep revising the sum insured at the time of renewal to keep it in line with inflation.
While the RBI's guidelines aim to streamline the loan closure process, borrowers must remain proactive.
Section 19(4) of the RERA Act entitles allottees to a refund if the developer doesn't comply with the terms of the sale agreement.
If you disagree with the notice, be ready to explain.
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
'You may opt for a longer minimum guaranteed tenure of 12-18 months. This will ensure that in a rising rental scenario, the landlord doesn't serve you a notice and ask you to vacate the property.'
If you have not yet filed an ITR for the 2022-2023 financial year, you can file a belated return.
Employees who benefit from rent-free accommodation should pay heed to these new regulations, especially if they are in the higher salary brackets.
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