'It takes time and the experience of a few market cycles to develop awareness about one's true risk appetite.'
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
All investors should ideally have a 10 to 15 per cent allocation to gold. Whether they invest in gold ETFs or SGBs should depend on their investment horizon.
The new rules on perks make it better to use the company car than to get usage reimbursed, says Arnav Pandya.
The new rules on perks make it better to use the company car than to get usage reimbursed, says Arnav Pandya.
Find out whether the fund is equity, debt, or hybrid oriented. 'Understand the portfolio composition and whether it suits your risk appetite and horizon.'
Teaser and step-up home loans may look similar in the beginning, but they work out differently in the later years, says Arnav Pandya.
The initial fixed rate of interest is deliberately kept low to encourage more people to move towards such loans.
Issuers allow you to convert your credit card purchases to EMIs, but it comes with strings attached.
If investing in Bitcoin, adopt a three to five-year horizon and invest systematically to gain from its volatility.
Consider a combination of a base policy and a super top-up policy.
Investors looking for a fixed-income product that is free of credit risk may invest in these bonds.
Longer-tenure FDs generally give higher returns. Nonetheless, going for a tenure higher than two to three years is not advisable.
Maintain a proper record of documents that can act as proof of the cost of acquisition of the property, cost of improvements made to the property, expenses related to transfer of the property (like brokerage and registration charges). These will come in handy in case of a dispute with the taxman.
Be wary of co-operative banks which have historically been most vulnerable.
Senior citizens should avoid putting their entire retirement corpus in SCSS.
'Banks will continue to increase FD rates to attract more deposits and meet the increasing demand for credit.'
Before opting for this scheme, consider how EPS is calculated.
These funds have lowered the entry barrier for investors who can now invest with just Rs 5,000, points out Sanjay Kumar Singh.
Make sure buying a house won't lead to compromises on other crucial financial goals.
In India, younger workers willing to work at lower salaries are easily available, so you could find yourself out of a job before 60. Therefore, save for retirement with urgency, advises Sanjay Kumar Singh.
Investing in the US market provides Indian investors a hedge against the rupee's long-term tendency to depreciate against the dollar.
There will be tough periods in equity investing, but investors should not stop their SIP investments under any circumstance, advises Arnav Pandya.
Rebalance the portfolio at least once a year to ensure it remains in sync with the target asset allocation.
The raising of the entry age in NPS has opened up an attractive new investment avenue for senior citizens, says Arnav Pandya.
Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should lock in to instruments offering higher returns.
A mistake here can prove costly.
Use fixed maturity plans to tide interest rate volatility if you're okay with lock-in because longer duration. FMPs can give up to annualised 7.7 per cent returns.
Banks have started charging customers for payment of credit card bills through cheque and so paying online makes more sense.
'People who have unaccounted money often park it in unregulated deposit schemes.' 'Curbing illegal deposit-raising activity will also carry forward the government's drive against black money.'
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
Raise in NPS entry age gives seniors another retirement-saving option but they should invest at least Rs 50,000 to avail of the additional tax benefit scheme provides, reports Sanjay Kumar Singh
In the last few months, the 10-year G-Sec has been gyrating sharply and has crossed the 9-per cent-yield mark four times.
With home loan rates headed north, experts advise how borrowers should cope with their rising liabilities.
Since there are many and complicated choices, retail investors stand to benefit
Raising equity exposure to 50 per cent in the National Pension Scheme will benefit young investors, provided they can stomach higher volatility.
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