Retirees must also try and purchase a senior citizens' policy, despite steep premiums.
rediffGURU Vivek Lala answers your income tax and personal finance queries.
Multi-asset funds offer exposure to gold, which tends to do well in times of geopolitical tensions and inflationary pressures, suggests Sanjay Kumar Singh.
Those who cannot bear significant downturns (as much as 40 per cent) or have a short horizon should exit entirely.
The bulk of an investor's portfolio should be in shorter-duration funds of up to one year portfolio duration.
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
Given the uncertainties around gold's future course, stagger your purchases and buy on declines, says Sanjay Kumar Singh.
Experts say the size of the fund shouldn't be a primary criterion for selection.
Now that the National Pension Scheme offers more choices than the Employees Provident Fund, is more transparent and also allows to choose the level of allocation to equities as investors like, should one switch to the NPS?
Those just starting their careers should avoid adding to their liabilities, especially if they already have an education loan. They should think hard before taking a car or home loan.
With natural and man-made calamities posing a risk to your home, it makes sense to buy home insurance
rediffGURU Ulhas Joshi recommends five factors you need to look at to evaluate the performance of two schemes.
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
Business success often involves a combination of planning, implementation, and continuous learning, says rediffGURU Harsh Bharwani.
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.
rediffGURU Ulhas Joshi answers your mutual fund queries.
With days to go before the new tax regime around crypto assets kicks in, several investors are reportedly either booking profits, rejigging their portfolios or moving their crypto assets to their private wallets outside of India. Starting April, gains from trading in crypto and other virtual assets like non-fungible tokens (NFTs) will be taxed at a flat 30 per cent, as announced in the Union Budget. And, 1 per cent of tax will be deducted at source (TDS) on every transaction involving crypto and other virtual assets. The new tax regime also bars investors from offsetting losses from one crypto asset (such as Bitcoin) against gains from another (say, Ethereum).
'By entering at an early age, they stand a better chance of developing into skilled investors.'
'Use this money to build an emergency fund if you do not have one.'
From April 1, subscribers will be able to change investment option & asset allocation twice a year, instead of once. Use greater flexibility offered by pension scheme judiciously.
SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
How investors can tweak their fixed income investments to earn more in the current environment.
Despite recent setback, these remain the most appropriate tool for international diversification
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) will answer your personal finance-related questions.
The proportion in which a joint home loan is taken is important.
Begin the year-end review by assessing whether your portfolios are on track to achieve your life goals.
Look for one with the right mix of qualification, experience, ethics knowledge, and communication skills
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
With the introduction of 10 per cent tax both on long-term capital gains and on dividend, choose funds based on investment horizon and risk appetite, not on tax advantage, experts tell Sanjay Kumar Singh.
How do you pick a mutual fund scheme that suits your needs?
A prudent guideline for self-employed individuals is to target at least 10 to 15 times their actual annual income when determining life insurance coverage.
The choice should depend on the size of the retirement corpus, stage in life, and state of health.
Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor, suggests Sanjay Kumar Singh.
If your fund's expense ratio has risen dramatically after Sebi's recent changes, compare it with the category average before switching.
Investors should consider debt mutual funds, banks fixed deposits or high-rated corporate debt instruments.
Why the case for investing in passive funds is becoming stronger.
'If you retain your account with the EPFO for 10 years, you get a life-long pension.'
Physical advisors have been receiving tough competition from algorithm-based investment counselling and robo-advisories.
Don't worry about volatile, erratic cash flows, freelancers. Vishal Dhawan explains how you can invest and achieve your financial goals despite irregular income.
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