Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
'Long-short SIFs are designed for seasoned, high-risk, high-reward investors, who understand market volatility.'
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.
'It's advisable not to go overboard on a banking sector fund or any other sector fund.'
Many buyers skip or misread critical provisions in builder-buyer agreements.
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
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.
IPOs inherently carry more risks than stocks that have been listed on the exchanges for some time.
Rediff reader Murali Krishnan Ambati, 47, from Bengaluru shares an interesting formula to save money.
"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.
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
These plans are suited for individuals and families with regular OPD needs -- those managing chronic illnesses and families with young children or elderly members.
Do you have financial planning queries? Ask rediffGURU Anil Rego.
One of the most exploited provisions is Section 10(13A), which permits exemption on HRA.
Conservative investors seeking equity-like tax benefits with low risk may go for them.
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
'As we get older, our health risks increase, and this makes health insurance significantly more expensive for seniors.'
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'
File a written complaint with the bank's grievance redressal officer and secure an acknowledgement.
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.
For an investor, gold is a necessity in the portfolio.
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
Organise your PAN, Form 16, Form 26AS, AIS, and all other proofs before e-filing.
To minimise risk, invest in a debt fund whose duration matches your investment timeframe.
We asked you, dear readers to share your best tips on saving money. This is what S Kumar shared.
'Revolving credit without full repayment causes interest to outpace repayment capacity, and leads to financial distress.'
Understand policy inclusions and exclusions to avoid surprises during claims.
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Whenever possible, the karta or head of the family should openly discuss the future distribution of movable and immovable property with all legal heirs.
Such issues need to be addressed quickly to ensure your retirement savings are not affected.
So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them to hybrid funds that can deliver extra returns without the administrative and emotional rollercoaster.
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
Customers must sign the agreement promptly to avoid disruptions. They should read it thoroughly and understand their rights and obligations.
Analysts expect Nifty to rise up by to 6 per cent in six months, with intermittent corrections likely due to global factors.
'Investors should not go for lump-sum investments in infrastructure funds at this point.' 'The SIP route is the best to avoid any major disappointment.'
The top 20 fund houses held 6.8 per cent of their portfolios in cash as of May 31, down from a record high of 7.2 per cent in April 2025.
Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
'...you evaluate three key factors before committing your money.'
