Regularly monitor your account for any suspicious activity. Keep your devices updated with the latest security patches to prevent vulnerabilities. Ensure the physical wallet you use is stored securely to avoid loss or theft.
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
New investors should gradually build a 5 to 10 per cent allocation to gold.
Goldman Sachs expects gold to reach $3,150 per ounce in the international market by December 2025, up around 19.1 per cent from its current level of $2,645, according to a recent report in Business Standard. Domestically, gold is trading at Rs 76,018 per 10 grams after delivering a remarkable 21.9 per cent return in the past year.
Link your UPI app to a separate bank account or wallet that has only a limited sum.
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.
Only investors with knowledge of cryptocurrencies, long-term conviction, and a long horizon should invest in this asset class.
'They take care of the problem: How can I ensure my child's education and other goals are not compromised, even if I am not around?'
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
'A long-term investor with a 4 to 5 year horizon could invest in this theme via SIPs.'
'Assess the property in terms of type, size, location and price point, and whether it fits into your budget.' 'If it checks out on these fronts, one may consider the accompanying offers.'
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
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