'Investors with foreign currency-denominated goals, such as foreign education or foreign travel, should go for US equity funds.'
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'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
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'Assess the property in terms of type, size, location and price point, and whether it fits into your budget.' 'If it checks out on these fronts, one may consider the accompanying offers.'
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
Before heading abroad, ensure your travel insurance policy offers all essential coverage and has an adequate sum insured.
'As we navigate uncertain waters, a conservative approach to largecap investing could provide a strategic advantage.'
Only investors with knowledge of cryptocurrencies, long-term conviction, and a long horizon should invest in this asset class.
'Geopolitics will be the most important driver of financial markets in 2025.'
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.
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.'
'Compare the new slabs with the previous years to understand if your tax liability will increase or decrease after the Budget.'
'Ensure that all property-related documents are up-to-date.' 'Relying on outdated documents can create legal complications.'
'Retail investors, who had not seen such a massive correction in the SMID universe since COVID-19, are witnessing something like this for the first time. Panic profit booking may continue.'
'Credit card debt comes with high interest cost and stringent penalties.' 'If you do not repay on time, the costs balloon.'
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.
DAP does not consider past I-T returns to match a taxpayer's resources with their expenditures or investments, points out Harsh Roongta.
'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.'
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Using credit or debit cards abroad can prove costly.
'Parents are forced to provide their children to Russian re-education camps in occupied territories and in different parts of Russia, for example, in Chechnya, where Ukrainian children wearing military uniform are taught to use weapons.'
Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.
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'If you see it as a burden, you'll struggle. But if you're enjoying the process and make small lifestyle changes, it becomes much easier.'
Ensure the sum insured for the super topup is enough to cover even worst-case scenarios.
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Be wary of co-operative banks which have historically been most vulnerable.
'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.'
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
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'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?'
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In addition to interest rates, review the fine print for penalties and repayment terms, and select a reputable lender to avoid harsh recovery practices.
MNC funds invest in companies where foreign promoters have more than 50 per cent shareholding.
'Value index funds are most appropriate for long-term investors who can withstand deeper drawdowns.'
Investors should match their investment horizon with the fund's portfolio duration.
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.
Try to assess whether the broker has good knowledge of the prices prevailing in the area you are interested in, and is able to provide the pros and cons of various projects.
Keeping surplus money in a bank account has become perilous, alerts Harsh Roongta.