Begin the year-end review by assessing whether your portfolios are on track to achieve your life goals.
Understand the pros and cons of SGBs before rushing to invest in them based on past returns.
Instead of only focusing on the tenure for which the best interest rate is available, investors should also focus on their own investment horizon.
'Non-par plans returns are not market-linked. Hence, they can offer guaranteed returns.'
While the likely intensity of the third wave is still a matter of debate, wisdom lies in being financially prepared for it, advises Bindisha Sarang.
Many would have racked up debt this Diwali, using credit cards and consumer loans. Here are a few simple steps on how to fix your financial mess, says Bindisha Sarang.
Getting locked into instruments before the new regime kicks in would be a good strategy.
Rather than one-year returns, look at benefits of long-term investment in equity.
Salaried employees get several benefits under Sections 80C, 80D, 80G and others.
It should cover mandatory expenses, insurance premiums and loan installments for six months to a year.
The whole idea is to have a balance between long-term and short-term goals.
Every financial plan needs to be tweaked periodically.
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