These ETFs will also carry interest-rate risk, especially the 10-year ETF. The investor can overcome this risk by holding them till maturity, suggests Sanjay Kumar Singh.
'Opt for this facility only after doing a cost-benefit analysis: Will the savings in interest cost by parking your surpluses in the home loan overdraft account outweigh the higher interest cost of this loan?'
A Codicil is a document created by the testator to make changes to an existing will, points out Sarbajeet K Sen.
Two factors play a predominant role in fetching good returns -- stock selection and allocation, suggests Sanjay Kumar Singh.
By evaluating their loan rate against the best available every year, borrowers can achieve considerable savings over the entire tenor, suggests Sanjay Kumar Singh.
In case of any grievance, file a complaint with Sebi on its SCORES (Sebi Complaints Redress System) web site, suggests Sanjay Kumar Singh.
LIC is currently allowing customers to revive policies that have lapsed for more than two years.
Even investors with sums as low as Rs 1,000 per month can start their investment journey.
Once the child is 90 days old, parents must add her to the family health floater cover, suggests Sanjay Kumar Singh.
'Children should include their parents in the group health insurance cover provided by the employer at the earliest.' 'However, the elderly should not depend on it alone and should also buy a personal health cover,' suggests Sanjay Kumar Singh.
Reports suggest this lot could fetch the cybercriminal as much as $130 million upon sale.
Do not go for riskier options like co-operative bank only for the higher return. Even if you go for them, park only a small portion of your capital there, say Tinesh Bhasin and Sanjay Kumar Singh.
Assume the worst regarding how long your unemployment could last and make conserving cash your topmost priority, suggests Sanjay Kumar Singh.
While there is easy access to money, the flip side is the high interest rate and processing fees, points out Sarbajeet K Sen.
Before taking such loans, compare the interest rates charged by various players, advises Sanjay Kumar Singh.
You can build your credit score and get tax benefit, but defaulting will make life difficult.
Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor, suggests Sanjay Kumar Singh.
If the credit card is not used judiciously, it can cause havoc with one's personal finances, warns Sarbajeet K Sen.
In this Budget, too, there were a number of measures aimed at plugging tax leakages and ensuring greater compliance, says Sanjay Kumar Singh.
A number of insurers offer health policies designed especially for senior citizens.
