Keep revising the sum insured at the time of renewal to keep it in line with inflation.
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.'
'Building a credit history is a gradual process that requires at least 6-12 months of consistent credit activity.'
Fund managers often find themselves selling bonds at prices below their fair value to meet redemption demands. Investors are the ultimate losers in this. CDMDF aims to remedy this by stepping in and purchasing securities at their fair value in such times.
Keep track of your foreign remittances to avoid giving incorrect declarations as these could be held against you.
Balanced advantage funds have the potential to earn superior risk-adjusted returns for the investor and offer a smoother investment journey.
'They can transition from short to long-duration funds when the yield curve normalises.'
Prospective buyers must make a well-considered decision regarding whether this is the right time to buy a house, particularly with home loan rates at near-peak levels, and the risk of job losses looming in many sectors.
High dividend yield stocks usually perform well in a rising interest rate environment when investors value cash flows more.
Remember, pension from EPS will be taxable at slab rate, reducing the post-tax income for people who remain in the higher tax brackets after retirement.
Personal loans and credit card loans provide quick access to money when it is urgently needed, but they also carry risks for borrowers.
'Investing in a factor-based fund can be beneficial provided you have chosen the right factor.'
Group term insurance is far more cost-effective than an individual cover.
'Non-par plans returns are not market-linked. Hence, they can offer guaranteed returns.'
Investors who decide to enter medium to long-duration funds should be cognisant of the risk.
'Negotiate a longer agreement with the escalation clause fixed now.' 'This will enable you to control future cost increases.'
'Investors don't have to worry about underperformance in passive funds, which earn market-equivalent returns.'
Not just unclaimed bank deposits, there are thousands of crores of rupees locked in unclaimed shares and insurance policies lying with many institutions across India.
While equity savings funds could offer higher returns over three-five years, they would also be more volatile.
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