This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
Regular money talks, setting up joint goals, and regular reviews can help couples stay aligned.
The RBI has flagged concerns over rising volatility in gold prices and advised lenders to exercise caution in the gold loan segment.
'...a mix of asset classes.' 'Include equities for growth (across market caps), debt for stability and liquidity, gold as a hedge against macro and currency risk, and global assets for geographical and economic diversification.'
'It takes time and the experience of a few market cycles to develop awareness about one's true risk appetite.'
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
'We expect modest returns in 2026 versus the steep gains seen over the past few years.'
'Stay invested but progressively reduce risk. Beyond a point, the objective should shift from maximising returns to avoiding unpleasant surprises.'
'For the initial decade, I consistently advise young professionals to prioritise career development and income growth rather than market analysis.'
Use these loans to meet emergency needs, and not to fund holidays or luxury purchases.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Investors can meet cash needs without selling their securities.
A 10-part series that explains all you want to know about how India's EPF turns a slice of your monthly salary into long-term savings, pension, and life insurance.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'They are a poor fit for anyone with near-term goals, low volatility tolerance, or a need for steady income or liquidity.' 'First-time investors should typically avoid them.'
Chartered accountant Nitin Kaushik's message to India's young workforce is clear: spend smart, save smarter and let money serve your goals.
Your EPF isn't just a retirement pot. It's a financial safety net you can dip into for life's biggest needs. Here's how these one-time advances work and when to use them wisely.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
Protect your hard-earned wealth with a will -- halt family rifts and secure your children's future. Pranjali Madnani explains how.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
AI isn't a magic wand. It works best when combined with good systems, informed investors, and skilled advisors, says Amit Suri.
'The rise in SIP contributions has created a pool of long-term MF assets that can be pledged for loans.'
Investors should be mindful of the high volatility in cryptos: Bitcoin has fallen more than 80 per cent in past corrections.
Red Square and VDNKh easily rank among the most striking places I've visited -- both for their historical significance and architectural splendour.
My admiration for Russian culture, vision and ambition grew with every step as I clocked the miles, Nitin Sathe tells us after a visit to Moscow and St Petersburg.
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.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'Revolving credit without full repayment causes interest to outpace repayment capacity, and leads to financial distress.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'For 40 years, India valued only technical skills. IITs, coding -- that became everything.' 'Soft skills were sidelined. But those are the skills that will keep you employable now, not technical skills.'
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Younger investors with long investment horizons may continue their SIPs.
rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
Customers who possess gold jewellery but are either being denied a personal loan or are being asked for a high interest rate due to their poor credit profile may consider a gold loan.
A higher TER means a larger portion of the return goes to the AMC, leaving less for the investor, unless compensated by higher returns.
Tough times don't last, but tough people -- and smart financial strategies - do, says Ramalingam Kalirajan
'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.'
New investors should gradually build a 5 to 10 per cent allocation to gold.
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