Stick to low-cost ULIPs launched in the past few years. Go with an insurer with a good investment team and solid track record of long-term returns, suggests Sanjay Kumar Singh.
Retail investors may safely invest in shorter-duration funds, suggests Sanjay Kumar Singh.
Investing in the US market provides Indian investors a hedge against the rupee's long-term tendency to depreciate against the dollar.
Investors who cannot manage an asset-allocated portfolio or rebalance regularly, or do not have an advisor, may opt for these funds, but only after a detailed study of their strategy, suggests Sanjay Kumar Singh.
'This market is very expensive in some pockets, dirt cheap in some, and the belly of the market is reasonably valued.'
A user just needs to download any app floated by such fraudsters and apply for instant loans. These apps are mainly concentrated on Google Play considering the reach and popularity of Android systems.
The first and most important check you must run is to see if you have adequate life cover.
In 2021, there is the risk of interest rates spiking. Investors should tackle duration risk with a longer investment horizon, suggests Sanjay Kumar Singh.
'If you miss the deadline, you can still file a belated tax return till March 31, 2021, with a fee under Section 234F, which could be up to Rs 10,000, in addition to an interest under Section 234A and 234B of the Act.'
'Remember, if an app breaks the rules while giving you money, it will also break them while collecting.'
Sanjay Kumar Singh suggests key factors investors need to keep an eye on while choosing the direct investment route.
Cheque payments will be safer; the limit for contactless card transactions hiked.
The trick is to know how long you are supposed to hold which document, observes Bindisha Sarang.
Many investors, who have made money in the rising market of the recent past, are pulling out of equity funds, believing that they can earn more by investing directly.
Tax planning should not be left for March. If you do so, you could face a severe cash crunch in that month, warns Sanjay Kumar Singh.
Some of these plans will weigh on your pocket. The increase in premium could also be large as you grow older.
Once the new rules kick in, you will have less cash-in-hand and may feel tempted to scale back on savings and investments.
There can be as many as six co-applicants in a joint loan.
With a 'yes' vote, there is a more foreseeable outcome, while a 'no' could result in greater uncertainty, for which retail investors may not have the appetite.
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