Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
'The move to remove indexation benefits on LTCGs presently available for property, gold, and other unlisted assets may have a negative impact as it directly impacts real estate investors.'
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
MMFs invest in fixed-income instruments maturing in less than one year, minimising interest-rate risk.
'Lack of self-control over spending leads to a credit card debt trap.' 'People think they have money and spend using a credit card, but when it's time to pay, they realise they don't have the money.'
'An equity-based index fund should be held for more than five years to average out market volatility and achieve financial goals.'
'Investors should not go for lump-sum investments in infrastructure funds at this point.' 'The SIP route is the best to avoid any major disappointment.'
'In the new coalition government, India's reform agenda may prioritise job creation and factor market reforms.'
These funds at times invest in companies going through corporate restructuring, such as mergers, demergers, or buybacks.
A retirement fund can be helpful for all age groups, but ideally one should start investing early to beat market swings and gain from compounding.
'Liquid ETFs help in cash management by enabling a smooth transition between equity and cash within the same settlement cycle, as they trade in the same segment as equity.'
Do not shop around for loans immediately after getting a secured credit card. Such loan enquiries can also pull down credit score, as they are treated as a sign of credit-hungry behaviour.
'The focus needs to shift towards the ability to collect payments, particularly in tier-3 to tier-4 areas where acceptance is still lacking.'
An allocation to ESG theme funds can bring down the overall risk of an equity portfolio. Investors with long-term financial goals, such as retirement, should not ignore sustainable investing.
'You cannot have only one product or one market or one customer segment.'
The incident remains a reminder of the inherent fragilities of all geopolitical relationships.
'Your decisions should not be driven by your view on the market, but by your objectives, risk appetite, and time horizon.'
A cultural preference for sons in India may be expressed as 'son preference' or 'daughter aversion', arising from patrilocality, patrilineality, the cost of dowry, and old-age support from sons.
Regardless of market levels, invest in stocks and equity mutual funds in a staggered manner.
Although India-US relations have strengthened significantly in recent years, partly because of the security situation in the region, the Indian policy establishment would have to be prepared to protect India's interests in a world that could get more unpredictable.
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