The gains from investing in direct plans can be higher than the difference in expense ratios.
Borrowing from a fraudulent loan app subjects the borrower to a variety of risks.
Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.
All employees should supplement the employer-sponsored health cover with a personal cover.
Gripped with fear as an investor following a 12 per cent market fall? Here's Radhika Gupta's advice to investors.
The self-employed should invest in the National Pension System, a government-backed, low-cost retirement avenue where they can choose the mix of debt and equity that is right for them.
Maintain a proper record of documents that can act as proof of the cost of acquisition of the property, cost of improvements made to the property, expenses related to transfer of the property (like brokerage and registration charges). These will come in handy in case of a dispute with the taxman.
Over 87 per cent of active large-cap schemes failed to outperform the benchmark S&P BSE 100 (total return) in the 2022 calendar year (CY), significantly higher than the 2021 figure of 50 per cent, shows a report by S&P Dow Jones Indices. During the three-year period (CY 2020, '21, '22), the percentage of schemes underperforming the index was even higher at 97 per cent. While active large-cap schemes generally find it tough to outperform due to a rising efficiency in the market, 2022 proved to be even more challenging as mid-cap and small-cap stocks (where they have some allocation) performed poorly vis-a-vis the large-caps.
Since infrastructure projects have long gestation periods, investors need to enter them with a long horizon of at least 10 years.
Real estate developers are hoping that the slew of tax concessions announced in Union Budget 2025, set to take effect this financial year, will spur demand for affordable and mid-segment housing, even as the broader housing market shows signs of fatigue.
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
Buying or selling securities based on rumours about expected changes in tax rates or sectoral sops can backfire, advises Sarbajeet K Sen.
The three year lock-in period enables ELSS fund managers to invest in high conviction stocks for a long period of time because of relatively less redemption pressure, says Dwaipayan Bose
Invest in liquid funds if you have a horizon of three months, ultra-short-term for six months, and low-duration funds for one year.
Don't let panic ruin your wealth. Avoiding these mistakes can save you from HUGE losses, says Ramalingam Kalirajan
Fund managers often find themselves selling bonds at prices below their fair value to meet redemption demands. Investors are the ultimate losers in this. CDMDF aims to remedy this by stepping in and purchasing securities at their fair value in such times.
While the purchases of celebrity investors become public knowledge, what is not known is the price point at which they bought them.
Stick to low-cost ULIPs launched in the past few years. Go with an insurer with a good investment team and solid track record of long-term returns, suggests Sanjay Kumar Singh.
Treat silver as part of the procyclical or growth assets in your portfolio, advises Sanjay Kumar Singh.
A term plan's premium is lower than that of a wholelife plan.
'Comparing the rates of interest with PSU banks, the three- and five-year time deposit rates of the post office are more favourable.'
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
We all need an expert whose advice you can trust, who will not start pushing products at you and rather help you understand why your wealth is not growing as it should, says Erik Hon.
Instead of being guided only by returns, investors should also factor in the risks of lending on these platforms.
Before you buy an apartment within a project meant for senior citizens, ensure that the services are of a high standard. Senior citizens should not sell their current home before they are completely sure about moving into a senior citizens' project.
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%.
Is the latest mobile or car or a house the goal? If so, the savings and investments should be aimed at catering to it. The amount needed has to be worked out, and money needs to be saved, accordingly, suggests Sarbajeet K Sen.
At a time when investors are preferring higher-risk investment products like thematic and small-cap mutual fund (MF) schemes, some fund houses are exploring the possibility of going further down the market-capitalisation (m-cap) ladder to unearth newer investment opportunities. HDFC MF had filed papers with the capital markets regulator - the Securities and Exchange Board of India (Sebi) - earlier this year for an active micro-cap scheme. Some more fund houses are keen on launching such schemes, say industry observers.
Before you invest, check the fund manager's track record in managing such a strategy, asserts Sarbajeet K Sen.
Many retail investors, who are experiencing their first bear market, are shocked at the erosion in the value of their mutual fund (MF) portfolios. The pain is especially acute for those who had taken excessive exposure to sector/thematic and small-cap funds. Even international diversification has failed to stanch the bleed in this downturn.
Follow this 15 x 15 x 15 rule to become a crorepati without taking big risks. Ramalingam Kalirajan explains how
It is advisable to avoid a fund until it develops a track record.
'The long maturity of these funds makes them well-suited for long-term financial goals such as saving for retirement or children's education or marriage.'
These funds have lowered the entry barrier for investors who can now invest with just Rs 5,000, points out Sanjay Kumar Singh.
Avoid discontinuing your SIPs. Persist for at least 7-10 years.
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.
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
Make sure buying a house won't lead to compromises on other crucial financial goals.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
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.
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