'A long-term investor with a 4 to 5 year horizon could invest in this theme via SIPs.'
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
Only borrow an amount that can be repaid comfortably. The ratio of total EMI to take-home salary should not exceed 40 per cent.
'With tuition fees for international students rising, education loans have become critical for bridging the gap between savings, scholarship, and full cost.'
Make financial planning a part of your education and definitely a part of your marriage, says financial planner Sheetal Jhaveri.
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.
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
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.
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
'Lack of self-control over spending leads to a credit card debt trap.' 'People think they have money and spend using a credit card, but when it's time to pay, they realise they don't have the money.'
'Allocate up to 20 per cent of your core equity portfolio to quality funds.'
'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
By staying informed and focusing on legitimate job openings, candidates can navigate the job market more effectively and safeguard their career aspirations.
New investors should gradually build a 5 to 10 per cent allocation to gold.
'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'
A round-up of Saturday's action in LaLiga, Ligue 1, Serie A and Bundesliga.
For Indian parents, sending a child abroad for a three-year degree could deplete 48% of their retirement savings, while a four-year degree may consume up to 64%.
'Despite rising inflows, many NRIs lack awareness about NRO and NRE accounts and mistakenly use family accounts or invest in a relative's name.' 'Many are unaware of tax implications.'
'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture during travel, or a fall in the bathroom.'
Invest in MFs for liquidity and choice of funds. Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
Make minimum payments on all debts, then use extra funds to tackle the smallest debt first.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
If gratuity is not paid within 30 days of termination, the employer must pay interest as set by the central government.
Younger people, who usually have a longer investment horizon which allows them to handle the interim volatility, may go for them.
'If the borrower can't repay the loan due to lack of income or losses from speculative activities, they risk defaulting on it.' 'This could lead to the bank seizing the property.'
'...you evaluate three key factors before committing your money.'
'Any earnings, regardless of location, will be subject to Indian income tax.'
'PPF carries minimal risk.' 'Its fixed-income nature allows investors to diversify their portfolios.'
The ED will probe if money earned from the illicit narcotics trade was laundered to create movable and immovable assets by the accused. The investigation will run parallel to the NCB probe, the sources said.
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
FDs are not advisable for long-term wealth creation as their post-inflation, post-tax returns are not very attractive.
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'
'It's advisable not to go overboard on a banking sector fund or any other sector fund.'
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
Do you have financial planning queries? Ask rediffGURU Anil Rego.
While SGBs are a sound investment, they aren't worth buying at any price. The interest income you earn from them will not justify paying a high premium.
'Save the entire chain of e-mail exchanges so that you have documented evidence to show you informed the bank about the issue.'
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