'If you are not prudent, you may exceed your budget, and if it happens too often, you may end up in debt.'
Unlike bank FDs that are considered risk-free investments, NCDs do carry a certain amount of risk, primary among them is the risk of default, either servicing the interest payment or meeting their principal repayment obligations.
'Once filed, it cannot be revised or rectified.'
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The index could be vulnerable to a bigger fall given the present market dynamics.
While basic policies focus on structural damage, comprehensive ones extend to household contents like furniture, electronics, clothing, and other personal belongings.
Business cycle funds aim to optimise returns by aligning their portfolios with different phases of the economic cycle. First-time investors, those who prefer stable sector allocations, and those averse to volatility should steer clear of them.
'It will drive a lot of surrounding business, that is where we see some good projects coming in.'
'People try to repay the BIGGEST LOAN first. Actually, you should repay the most expensive loan first.'
'They can transition from short to long-duration funds when the yield curve normalises.'
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Many enter this arena without a detailed understanding of how their algo works.' 'Diligently review information on the strategy, risk profile, potential losses, and expected gains before investing.'
Setbacks and success are both a part of your professional journey. After all, the greatest success stories often begin with a healthy dose of overcoming adversity. Use this experience to fuel your ambition and keep your eyes firmly set on achieving your career goals, asserts Sonica Aron, founder of the HR consultancy firm, Marching Sheep.
Co-location attracts institutional investors, which drives volumes for long-dated options, with higher realisations at lower costs.
'Investors may have made money in mid and smallcaps due to market momentum, but now they need to focus on fundamentals.'
'To be able to sail through such volatilities, it is prudent to focus on quality.'
Returns of liquid funds are meant only for the short term and don't help investors create wealth over the long term, as equity funds do.
As regards mid-caps and small-caps, analysts suggest investors buy only those stocks of those companies where there is earnings visibility for at least a few quarters and where the valuations have become reasonable.
Health insurance claims are often denied due to exclusions in policy terms. Buyers frequently overlook the fine print or misinterpret clauses.
Seek advice from Sebi-registered investment advisors whose names are available on Sebi's Web site.
Data from Value Research analysed on five-year, three-year and one-year performances of active equity schemes to pick the best performers in popular scheme categories.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Investors should match their investment horizon with the fund's portfolio duration.
Before heading abroad, ensure your travel insurance policy offers all essential coverage and has an adequate sum insured.
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
Consider factors like time, risk profile, return requirements, expenses, liquidity needs, etc. Make sure to have insurance and opt for a term plan, says Amar Pandit.
While festive offers can reduce costs, borrowers should also consider the lender's transparency and service quality. Customers need to be mindful of their repayment capacity.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
One reason the fee can't be lower than 3 per cent is that it is difficult for an RIA to do a good job and remain viable even at 3 per cent.
The rally in silver may continue if the global economic recovery remains on course.
Senior citizens should avoid putting their entire retirement corpus in SCSS.
'Investing in a factor-based fund can be beneficial provided you have chosen the right factor.'
If you already hold significant amounts of equity in your portfolio, avoid MAAFs with over 60 per cent equity. But if you lack equity exposure, an aggressive MAAF may be appropriate.
Only investors with knowledge of cryptocurrencies, long-term conviction, and a long horizon should invest in this asset class.
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'The long maturity of these funds makes them well-suited for long-term financial goals such as saving for retirement or children's education or marriage.'
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
'They take care of the problem: How can I ensure my child's education and other goals are not compromised, even if I am not around?'
'A dynamic bond fund acts like a gilt fund in a rate cut scenario and like a conservative short-term bond fund when rates rise.'
