Senior citizens should avoid putting their entire retirement corpus in SCSS.
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.'
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.
Dr Rituja Ugalmugle, internal medicine specialist, Wockhardt Hospitals, lists the remedies to prevent and fight summer related ailments.
'To be able to sail through such volatilities, it is prudent to focus on quality.'
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.
'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.'
'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.
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.
An NCD's credit rating will tell you whether risk possibility is high or low. Instruments rated below AA are regarded as high-risk.
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
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.
While equity savings funds could offer higher returns over three-five years, they would also be more volatile.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
Before heading abroad, ensure your travel insurance policy offers all essential coverage and has an adequate sum insured.
With a strong plan in mind, Public Provident Fund can become an important and strong part of your investment, says Naval Goel.
Rediff reader Tushar Kulkarni, 40 from Dombivali shared some valuable tips.
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.
Be clear about when you're working and when you're off the clock, and stick to the boundaries you have set around when you're willing to respond to messages or calls, suggests Amanda Day, Director of People Enablement at Remote.
Buying term insurance is not a one-size-fits-all purchase. It requires some level of deliberation to ensure that the policy aligns with your needs, life stage as well as future circumstances, says Casparus Kromhout, MD & CEO Shriram Life Insurance Company
If you don't have a specific goal, but want intermittent liquidity, then ladder your FDs, that is, invest in FDs of varying maturities, such as one, two, three, five or even 10 years. Laddering ensures FDs mature at regular intervals.
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.
Investment planning needs to be done at the beginning of the year.
'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?'
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
Investors not comfortable investing directly may take the mutual fund route, where they get exposure to a diversified portfolio of bonds.
'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.'
'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
By diversifying into developed market equities, Indian investors can mitigate the impact of cyclicality in returns as well as reduce currency risk, experts tell Sanjay Kumar Singh.
We'll publish the best responses on Rediff.com.
TMFs invest in a public index, so investors know beforehand which instruments the fund will invest in.
'More investors now view the stock market as a valuable opportunity, though many still seek quick gains, leading to a rise in futures and options trading.'
Business success often involves a combination of planning, implementation, and continuous learning, says rediffGURU Harsh Bharwani.
Despite its recent underperformance, gold must be a part of your portfolio.
Dinesh Raheja looks back at Manoj Kumar's brilliant 1964 thriller Woh Kaun Thi, and explains just what made it an audio-visual treat.
'Consider your household's financial health and all your other goals.' 'Buying a house might seem like an urgent goal, but it is rarely the only one.'
