'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
Self-employed individuals often face hurdles in buying term insurance due to financial documentation that doesn't fully reflect their earnings. This complicates underwriting.
'A long-term investor with a 4 to 5 year horizon could invest in this theme via SIPs.'
"I haven't thought about how I should spend this money as yet. The first thing I will do, though, is build a house for my family," says Sushil.
Rediff reader Murali Krishnan Ambati, 47, from Bengaluru shares an interesting formula to save money.
'Begin with a small investment, observe performance, then scale up gradually.'
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
Investors aged 26 to 30 consider the number of followers as a key parameter for trust. However, more than half of investors, who deemed an influencer's registration status as extremely important, were unaware of their actual registration status.
'Allocate up to 20 per cent of your core equity portfolio to quality funds.'
Do not panic on receiving a notice. Verify if your work falls under professions notified in Section 44AA(1).
'Legally clean farmland is difficult to find. It requires time, money, and legal effort to verify the title.'
'Some buyers get carried away by festival offers and purchase higher variants or larger vehicles than they truly need, which impacts running cost and long-term affordability.'
Use these loans to meet emergency needs, and not to fund holidays or luxury purchases.
'Reits are suitable for investors seeking regular income and real estate exposure without managing physical properties, especially NRIs and retirees.'
The biggest risk for investors isn't the market, but their own minds, biases and emotions often lead to poor financial choices.
Young investors with a higher risk appetite are better off with a combination of term insurance and equity funds.
For an investor, gold is a necessity in the portfolio.
'First-time investors, busy professionals, NRIs and those with modest sums looking for curated strategies may find FoFs especially appealing.'
Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.
Invest in these funds through the SIP route with at least a seven-year horizon.
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
Do you have financial planning queries? Ask rediffGURU Anil Rego.
'Active funds have the ability to manage downside risk.'
'It's advisable not to go overboard on a banking sector fund or any other sector fund.'
Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and benefit from the long-term trends of demand and macroeconomic shifts.
When evaluating bonds, returns shouldn't be the sole factor. Pay close attention to the bond's credit rating. It should ideally be AA or higher.
SOFs can be a diversification tool for investors seeking alternatives to conventional large, mid, or smallcap portfolios.
We asked you, dear readers to share your best tips on saving money. This is what S Kumar shared.
IPOs inherently carry more risks than stocks that have been listed on the exchanges for some time.
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
Have you ever wondered why some people seem to achieve extraordinary wealth while others struggle to make their money work for them? The secret isn't luck -- it's strategy, says Ramalingam Kalirajan
Investors should be mindful of the high volatility in cryptos: Bitcoin has fallen more than 80 per cent in past corrections.
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'
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.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Have you ever thought about how some investors always manage to find well-performing stocks before everyone else? They seem to have an eye for finding companies that aren't in the media but still deliver returns. These are called hidden stock opportunities, and the shortcut to finding them is all about knowing where and how to look. In this article, let's walk through some practical tips for finding these stocks in the share market.
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
'Long-short SIFs are designed for seasoned, high-risk, high-reward investors, who understand market volatility.'
