Since NPS is used for a long-term goal like retirement, allowing younger investors to have higher exposure to equities will give them a chance to earn higher returns.
Honest financial advice helps you make rational financial decisions
A good advisor can make or break your financial future
Follow this 15 x 15 x 15 rule to become a crorepati without taking big risks. Ramalingam Kalirajan explains how
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
Monitor how long the high cash position lasts. If it lasts for a month or two, it is fine. But if it continues for a couple of quarters, seek your advisor's opinion on whether to exit the fund.
Avoid discontinuing your SIPs. Persist for at least 7-10 years.
Another major development is REITs coming closer to reality
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
What stood out in his 15-year journey as a member of the political executive at the Centre was his glowing record as India's most successful and effective finance minister. Both as prime minister and finance minister, he understood the importance of gradualism, except when the economy or the polity was in a crisis.
A new approach called life planning can help you prioritise the use of your time and money.
'An equity-based index fund should be held for more than five years to average out market volatility and achieve financial goals.'
Anamika Pareek explains the advantages of investing in tax-saving options like the equity-linked savings schemes.
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
If one compares returns, the two public-sector ETFs have done better over the past year, but the ELSS category has done better over the trailing three and five years.
When selecting investments, pay attention to potential return, risk and how easily you can exit it.
Rebalance your portfolio in case it has become overweight on equities vis-a-vis your strategic asset allocation.
Education inflation abroad is high and the depreciation of the rupee can also set you back, says Vishal Dhawan
'Investors don't have to worry about underperformance in passive funds, which earn market-equivalent returns.'
Do you find yourself wondering how good your financial advisor is? How trustworthy? Do you ever feel uncomfortable sharing information with him? Maybe it is time to ask some hard questions and get some peace of mind.
In his poll rallies, Modi framed Pitroda's comments in his wider onslaught against the Congress, asserting that they have exposed its hidden agenda and that the party has become so removed from the country's social and family values that it wants to legally rob people of their assets and lifelong savings they want to bequeath to their children.
When looking at fund returns, avoid looking at just the past 12 months' performance, says Sanjay Kumar Singh
Having exposure to international funds and gold is a must for those who have foreign currency-denominated goals.
New retirement schemes from MFs offer Section 80C benefit but locks in your money for five years
These ETFs will also carry interest-rate risk, especially the 10-year ETF. The investor can overcome this risk by holding them till maturity, suggests Sanjay Kumar Singh.
Assume the worst regarding how long your unemployment could last and make conserving cash your topmost priority, suggests Sanjay Kumar Singh.
'A mid-year review makes the end-of-year financial review manageable and less stressful.'
Sending money to families in India will get more expensive
While seniors seeking a regular income should switch to debt funds from balanced funds, younger investors should invest in balanced funds after understanding their risks.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
An Aadhaar card can fast-track the KYC procedure for some instruments.
Anil Rego, CEO of RightHorizons, will answer your financial planning queries.
The challenge isn't in selling -- it's easy to sell when the market peaks. The real challenge is in buying back.
Investors should allocate 10 to 15 per cent in their portfolios to gold through sovereign gold bonds.
If a risk taker and young, NPS would suit her/him. Otherwise, s/he should go for EPF.
Ask rediffGURU Ulhas Joshi your mutual fund queries.
FMPs remain an option for investors who believe interest rates could head downward over time and wish to lock in the current rates. TMFs have very low expense ratios, which makes them cost-efficient.
'Decide on an asset allocation you are comfortable with and stick to it for the long term.'
Experts say this is a good time to buy a house for self-use, points out Sanjay Kumar Singh.
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