'The barbell strategy says that the best way to strike a balance between risk and reward is to invest at the extremes of the risk spectrum.'
Despite the equity booster, many would be uncomfortable about NPS.
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
rediffGURU Sunil Lala answers your personal finance-related queries.
Are you a first-time IPO investor? Even if IPOs appear attractive with expectations of high returns, they come with risks and complexities, cautions Sheetal Jhaveri and shares her checklist to help you navigate through the world of IPOs
While govt has decided to maintain status quo, don't use the money for house, marriage or education
Systematic Withdrawal Plan, or SWP, can help you achieve your financial goals. Ramalingam Kalirajan's step-by-step guide on how to effectively use an SWP.
Many hurdles that investors could have faced after enrolling for the scheme have been removed.
If new goals have emerged, this is the time to make fresh investments.
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 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.
Regardless of market levels, invest in stocks and equity mutual funds in a staggered manner.
You can exit Ulips after five years.
Gold is an excellent asset class for diversification and should be included in all long-term portfolios.
A charitable organisation supporting a cause close to the investor's heart can also be a nominee.
With the wedding season already in full swing, a few things to keep in minutes financially when tying the knot, advises Bindisha Sarang.
One common mistake investors commit during profit booking is not having a plan for the redeployment of the money that comes into their account.
Fund managers often find themselves selling bonds at prices below their fair value to meet redemption demands. Investors are the ultimate losers in this. CDMDF aims to remedy this by stepping in and purchasing securities at their fair value in such times.
The next revision will make the rates similar to those of bank FDs.
The choice should depend on the size of the retirement corpus, stage in life, and state of health.
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Gold companies have started reducing production. This implies that gold prices will not go on a free fall anytime soon
Ramalingam Kalirajan explains the pros and cons of both investment types.
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
Taxpayers can claim a deduction on tuition fees for a maximum of two children.
High dividend yield stocks usually perform well in a rising interest rate environment when investors value cash flows more.
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.
Depending on your liquidity requirement, invest in the right debt instruments.
Private banks and start-ups offer instant loans on apps as well as through ATMs.
Experts say it could make divorces amicable and help reduce court cases.
Otherwise, EPFO can freeze your account. But seek detailed calculation to verify the numbers
Make the most of the income that you earn by invest the money in the right instruments. The advantages of starting early and investing right cannot be overstated, says financial planner Harshad Chetanwala.
Monday's steep fall turned Sensex's yearly returns to - 2.57%, but only two large-cap funds did worse.
Unit-linked plans or Ulips continue to be expensive compared to other instruments, say certified financial planners.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Equity-linked savings scheme, PPF and Sukanya Samriddhi Yojana are recommended instruments.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
'Planning for the transfer of assets to the next generation is an important aspect of financial and estate planning.'
Investors in the 10% and 20% slabs can get better post-tax returns compared to a bank fixed deposit
Senior citizens should avoid putting their entire retirement corpus in SCSS.
One of the mistakes most homemakers make while thinking about financial planning is looking at immediate goals, says Amar Pandit.
