Investors need to evaluate how they stack up against other high credit quality fixed-income options before putting money in them.
Bundled products often come with restrictions. The customer also gets locked into two products at the same time. This reduces flexibility.
'The minimum holding period for equities should be three years.' 'Try goal-based investing.' 'Link your equity portfolios to specific goals such as retirement, purchase of a house or car...'
'FDs should hold your emergency funds, equivalent to around 6-12 times your monthly expenses.'
Young investors could allocate in the proportion of 70:20:10 to equity, debt and gold.
'A patient visits for any other treatment, but a routine Covid test finds him to be positive.' 'Not only are they, but their whole family is also coming out to be positive.'
Personal accident cover should be purchased by everyone, irrespective of age, occupation or health condition, as one does not know when an accident could occur, causing hardship to the family.
Most traditional health insurance plans didn't cover the cost of such treatments earlier, but several recently launched policies do offer such coverage -- some as a rider, and a few as standalone covers, points out Sarbajeet K Sen.
To minimise hardship for legal heirs, home loan borrowers must purchase additional insurance cover while taking a home loan.
Avoid investing in a new ELSS scheme each year. Stick to one well-chosen scheme to avoid clutter in your portfolio.
'We now understand things that we have to correct.'
'Funds based on this theme offer socially conscious investors an option to invest in a portfolio that is aligned to their beliefs.'
'Earning expectations remain strong.'
You can avail of tax deduction on expenses incurred on preventive health check-ups. This provision is beneficial to younger people who don't exhaust their Section 80D limit with their health insurance premium.
If you are buying a bond to cater to your regular income needs, check the interest distribution schedule.
Despite the current bout of volatility, debt-oriented hybrid funds remain well suited for risk-averse investors.
Buying or selling securities based on rumours about expected changes in tax rates or sectoral sops can backfire, advises Sarbajeet K Sen.
A home loan is a long-term contract, so do shop around before signing on the dotted line, advises Sarbajeet K Sen.
Stocks offering attractive dividends contain downside better when the markets correct, advises Sarbajeet K Sen.
Bharat Biotech is targeting to manufacture one billion doses of its intra-nasal vaccine in 2022 which is under clinical trials now.
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