A balance transfer to another lender entails substantial cost and time.
Unless you are very knowledgeable, seek expert advice before making such a high-ticket investment, cautions Sarbajeet K Sen.
Consumption is among the most diversified and sought-after themes in Indian equities. Over the past five years, consumption theme funds have given an annualised category average return of 15.17 per cent, according to the data from Value Research. But this theme has been affected by the Covid-19 pandemic, which impacted jobs and livelihood.
Do you have parents who have turned 60? You may want to forward Sarbajeet K Sen's suggestions to them.
MMFs are a good option for the current environment, observes Sarbajeet K Sen.
Investing merely on the basis of past return can land you in trouble even in debt funds, a supposedly safe asset class, suggests Sarbajeet K Sen.
Before you invest, check the fund manager's track record in managing such a strategy, asserts Sarbajeet K Sen.
Postpone the purchase of big-ticket consumer durable items, recreational spending on holidays, and other such expenses unless your financial position is very secure, advises Sarbajeet K Sen.
'Avoid going overweight on gold. But maintain a 10 per cent allocation via sovereign gold bonds,' Bajaj Capital MD Sanjiv Bajaj tells Sarbajeet K Sen.
Instead of getting swayed by market gyrations, investors must stay invested for the long term, advises Sarbajeet K Sen.
Quant funds have a very short track record, and have underperformed so far, reveals Sarbajeet K Sen.
Only investors who understand the significance of ESG investing should enter these funds for the long term, advises Sarbajeet K Sen.
Domestic mergers and acquisitions transactions led the pack with 32 deals amounting to $5 billion.
'Gold could benefit from the resulting risk aversion, as happened last year.'
Investing in unlisted shares is not difficult. At any given point, many investors and employees are willing to sell their holdings because they need money. Buyers can negotiate a price with them, suggests Sarbajeet K Sen.
From taxation of EPF contributions to new wage code, life won't be the same in FY22.
If you plan to invest in an FD, go for the 12-15-month tenure. This will allow you to redeploy maturity proceeds at higher rates (if rates rise), advises Sarbajeet K Sen.
in the longer run, there is no substitute for a standard term, accident, and a comprehensive health cover, with adequate sum insured that will give you round-the-clock and year-after-year coverage.
From real estate to metals, what Sitharaman's Budget has in store.
The Budget kept away from mood dampeners such as an increase in taxes (capital gain taxes) and even the much-feared introduction of Covid cess and wealth taxes, says Nimesh Kampani, chairman, JM Financial.
