Keep your mobile number and e-mail updated. When you receive the weekly report on cash holdings, check to ensure there is no discrepancy between the amount you have kept with the broker and what the latter has reported, advises Sanjay Kumar Singh.
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.
To overcome your fear of the property being taken over, draw an ironclad agreement with a good lawyer's help, recommends Sanjay Kumar Singh.
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.
Small-cap funds have enjoyed a massive run-up over the past year. The category has turned in an average return of 109 per cent - the best-performing fund has yielded a humongous 201 per cent. Many investors, however, are concerned whether the category has turned risky after such a sharp rise.
If a retail investor wants exposure to a healthcare ETF, it should be a part of his satellite portfolio, suggests Sanjay Kumar Singh.
The pandemic should force you to take a hard look at the downside risks that could jeopardise your finances.
'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.
'Decide on an asset allocation you are comfortable with and stick to it for the long term.'
Despite the Sensex's 74 per cent run-up over the past year, the Indian equity market could still reward investors if the expected revival in earnings materialises, according to market experts. Returns during the coming year are more likely to be in line with longer-term trends (the Sensex's five-year return is around 14 per cent). Several factors are expected to aid the market's performance this year.
'It is a good match for those aged 25-30, who have just started working and need a basic product.'
To select the right platform, get the opinions of a few existing users or browse online for feedback. Select a platform that offers a seamless experience. Check that the platform you are going with is a regulated entity, suggests Sanjay Kumar Singh.
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.
Investors must, however, be prepared for volatility in ELSS, cautions Sanjay Kumar Singh.
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