'Allocate up to 20 per cent of your core equity portfolio to quality funds.'
Investors looking for a fixed-income product that is free of credit risk may invest in these bonds.
Borrowing from a fraudulent loan app subjects the borrower to a variety of risks.
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
In a falling market, the value of your investment keeps going down. However, the reduction in value is purely a notional loss if you remain invested. When you redeem in a falling market, the notional loss becomes a permanent loss, explains Anamika Pareek.
For Indian parents, sending a child abroad for a three-year degree could deplete 48% of their retirement savings, while a four-year degree may consume up to 64%.
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
Follow this 15 x 15 x 15 rule to become a crorepati without taking big risks. Ramalingam Kalirajan explains how
'An equity-based index fund should be held for more than five years to average out market volatility and achieve financial goals.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
'There are 725,000 Indians here without proper papers. They are subject to deportation immediately under this (Trump's immigration plan). Immediately!' 'They want to prevent new immigration, get the people who are already here out of here, and only allow population increases in the white population.'
A good advisor can make or break your financial future
Anamika Pareek explains the advantages of investing in tax-saving options like the equity-linked savings schemes.
rediffGURU Vivek Lala answers your income tax and personal finance queries.
'A mid-year review makes the end-of-year financial review manageable and less stressful.'
Do you find yourself wondering how good your financial advisor is? How trustworthy? Do you ever feel uncomfortable sharing information with him? Maybe it is time to ask some hard questions and get some peace of mind.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Ask rediffGURU Ulhas Joshi your mutual fund queries.
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
The challenge isn't in selling -- it's easy to sell when the market peaks. The real challenge is in buying back.
The self-employed should invest in the National Pension System, a government-backed, low-cost retirement avenue where they can choose the mix of debt and equity that is right for them.
Investing in start-ups can be highly rewarding, but direct investing is not meant for everyone. For the majority of wealthy investors, taking the private-equity route could still be the better option.
FMPs remain an option for investors who believe interest rates could head downward over time and wish to lock in the current rates. TMFs have very low expense ratios, which makes them cost-efficient.
The crises of the 21st century, 9/11, the economic meltdown, COVID-19, Russia-Iran war and the Hamas-Israel war seem to be never ending. In this situation, Iran might be contemplating a nuclear deterrent to defend itself, observes Ambassador T P Sreenivasan, the distinguished long-time Rediff contributor who turns 80 on June 17..
rediffGURU Ulhas Joshi recommends five factors you need to look at to evaluate the performance of two schemes.
A good planner will take the role of a family doctor.
SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
The bulk of an investor's portfolio should be in shorter-duration funds of up to one year portfolio duration.
Only investors who understand the significance of ESG investing should enter these funds for the long term, advises Sarbajeet K Sen.
Nominations and addresses are of paramount importance in bank accounts, insurance policies, mutual funds, etc.
Patience can be rewarding. 'Post-listing, sanity often returns to valuations of newly-listed businesses within six to nine months. Buy then.'
Haven't they heard about the 'Tale of Two Brothers'? asks Suveen Sinha.
rediffGURU Ulhas Joshi answers your mutual fund queries.
'The long maturity of these funds makes them well-suited for long-term financial goals such as saving for retirement or children's education or marriage.'
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
'Use this money to build an emergency fund if you do not have one.'
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) will answer your personal finance-related questions.
Former CEA Arvind Subramanian called for research in the area and urged the NSE Centre for Behavioural Science in Finance, Economics and Marketing to explain why as the economy has been going down, the stock market has been going up.
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