Before booking a flat, buyers should confirm that the project is registered with the state's Rera portal.
Those who have binged on credit must spend less, cut discretionary expenses, and focus on repayment.
'Having a separate healthcare corpus is extremely important even for those already covered by health insurance.'
Lawful possession means having both actual control over a property and a valid legal right to keep it, usually based on a registered sale deed, lease agreement, or lawful allotment.
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'It takes time and the experience of a few market cycles to develop awareness about one's true risk appetite.'
Investors having a moderate-risk profile can use these funds in their retirement portfolios.
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'Buy early and review the sum insured regularly.'
'Combining individual or family policies with corporate cover, along with top-ups and wellness programmes, can help maintain strong health protection throughout life.'
Experts warn that air pollution in India is a major public health crisis, leading to a surge in undiagnosed airway diseases and cardiovascular issues. They urge for urgent action, early detection, and treatment.
Loan against fixed deposit is cheaper and comes with fewer charges.
The income tax department will allow people to file 'belated return' until December 31.
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
'One should not invest more than 5 to 10 per cent of their overall portfolio exposure in global or international funds.'
The ideal time to invest in sector funds, is during a downturn so that investors can capitalise on a turnaround in 1.5 to 2 years.
Before signing up for a BNPL plan, read the fine print carefully and watch for red flags like unclear repayment terms, vague information on interest or late fees, and marketing that downplays the cost of default.
Weddings today are not just events, they are full-blown productions. Between Instagram aesthetics, Pinterest pressure, relatives with opinions and budgets that magically stretch themselves, brides often find themselves overwhelmed long before the pheras begin.
Every 1 per cent per annum of investment costs is a matter of life or death, points out Avinash Luthria.
When investing in fixed-income products, balancing considerations like safety, liquidity, and income is essential.
Largecap companies are generally less vulnerable to economic slowdowns than their mid- and smallcap counterparts.
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For homebuyers, the OC is not just an administrative formality but the very basis of lawful possession. Without it, the property is deemed unauthorised, exposing buyers to risks such as eviction, denial of utilities, or even demolition.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
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.
Quoting an incorrect PAN during property registration can invite penalties and prosecution.
If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
Investors can meet cash needs without selling their securities.
The Securities and Exchange Board of India (Sebi), in a circular dated April 11, 2025, warned investors about rising fraud and manipulation linked to the securities market on social media platforms.
Zero depreciation cover ensures that the insurer pays the full replacement cost of parts such as bumpers, headlamps, side mirrors, and plastic fittings.
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
In a pump and dump operation, fraudsters artificially inflate the price of a stock by spreading misleading or false information, creating a frenzy among unsuspecting retail investors.
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The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
Issuers have allotted nearly four times as much to mutual funds (MFs) as they have to insurance companies in recent quarters. MFs invested Rs 21,976 crore as anchor investors in initial public offerings (IPOs) on a trailing four-quarter basis, according to data from Prime Database.
'Do exhaustive research and then select the one that best fits your budget and requirements.'
'Always keep accurate and transparent records of the source of the investment or property's funding: Loan agreements, transfer records of the property, and bank statements of co-owners if available.'
As the year draws to a close, Rediff's Senior Contributor Roshmila Bhattacharya takes a look at the hits and misses, the highs and lows, the newsmakers and the dealbreakers in alphabetical order.
Medical negligence arises when a medical professional deviates from reasonable standards of care, causing injury to the patient.
'Arbitrage funds make the most sense for those in the 30 per cent tax bracket, are viable for those in the 20 per cent bracket, but less so for those in the 10 per cent bracket.'
