Largecap equities are less volatile than mid- and smallcap stocks, making them suitable for risk-averse investors.
The returns from liquid funds, currently, look better than what savings accounts of leading banks are offering, points out Sarbajeet K Sen.
While the purchases of celebrity investors become public knowledge, what is not known is the price point at which they bought them.
Most traditional health insurance plans didn't cover the cost of such treatments earlier, but several recently launched policies do offer such coverage -- some as a rider, and a few as standalone covers, points out Sarbajeet K Sen.
Buying or selling securities based on rumours about expected changes in tax rates or sectoral sops can backfire, advises Sarbajeet K Sen.
If you are buying a bond to cater to your regular income needs, check the interest distribution schedule.
Despite the current bout of volatility, debt-oriented hybrid funds remain well suited for risk-averse investors.
A home loan is a long-term contract, so do shop around before signing on the dotted line, advises Sarbajeet K Sen.
Stocks offering attractive dividends contain downside better when the markets correct, advises Sarbajeet K Sen.
Only investors who understand the significance of ESG investing should enter these funds for the long term, advises Sarbajeet K Sen.
One of the biggest advantages of index funds and ETFs is their low cost, points out Sarbajeet K Sen.
Before you invest, check the fund manager's track record in managing such a strategy, asserts Sarbajeet K Sen.
Investors need to get the timing of entry and exit right to make money in thematic and sector funds, suggests Sarbajeet K Sen.
Unless you are very knowledgeable, seek expert advice before making such a high-ticket investment, cautions Sarbajeet K Sen.
While mid-cap and small-cap funds have given category average returns of 73.3 per cent and 89.8 per cent respectively over the past year, large-cap funds' returns have been lower at 53.9 per cent, points out Sarbajeet K Sen.
A balance transfer to another lender entails substantial cost and time.
Postpone the purchase of big-ticket consumer durable items, recreational spending on holidays, and other such expenses unless your financial position is very secure, advises Sarbajeet K Sen.
Do you have parents who have turned 60? You may want to forward Sarbajeet K Sen's suggestions to them.
MMFs are a good option for the current environment, observes Sarbajeet K Sen.
Quant funds have a very short track record, and have underperformed so far, reveals Sarbajeet K Sen.
'Avoid going overweight on gold. But maintain a 10 per cent allocation via sovereign gold bonds,' Bajaj Capital MD Sanjiv Bajaj tells Sarbajeet K Sen.
'Gold could benefit from the resulting risk aversion, as happened last year.'
Investing in unlisted shares is not difficult. At any given point, many investors and employees are willing to sell their holdings because they need money. Buyers can negotiate a price with them, suggests Sarbajeet K Sen.
Investing merely on the basis of past return can land you in trouble even in debt funds, a supposedly safe asset class, suggests Sarbajeet K Sen.
At the outset, decide whether you want to be a trader or an investor, suggest Sarbajeet K Sen and Sanjay Kumar Singh.
It is advisable to avoid a fund until it develops a track record.
If you invest for the shorter-term now, you will be able to roll over to higher rates when the interest-rate cycle turns, advises Sarbajeet K Sen.
If you plan to invest in an FD, go for the 12-15-month tenure. This will allow you to redeploy maturity proceeds at higher rates (if rates rise), advises Sarbajeet K Sen.
in the longer run, there is no substitute for a standard term, accident, and a comprehensive health cover, with adequate sum insured that will give you round-the-clock and year-after-year coverage.
Instead of getting swayed by market gyrations, investors must stay invested for the long term, advises Sarbajeet K Sen.
'Opt for this facility only after doing a cost-benefit analysis: Will the savings in interest cost by parking your surpluses in the home loan overdraft account outweigh the higher interest cost of this loan?'
The benefit offered under small-ticket insurance may not be huge, but it is better to have cover, suggests Sarbajeet K Sen.
'It is advisable to invest in them early in life and stay invested for a longer period to achieve long-term goals and accumulate wealth.'
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.
'It reduces the immediate financial strain on your family and helps you take control of your finances without being dependent on your parents.'
While there is easy access to money, the flip side is the high interest rate and processing fees, points out Sarbajeet K Sen.
A Codicil is a document created by the testator to make changes to an existing will, points out Sarbajeet K Sen.
Even investors with sums as low as Rs 1,000 per month can start their investment journey.
You can build your credit score and get tax benefit, but defaulting will make life difficult.
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