While the likely intensity of the third wave is still a matter of debate, wisdom lies in being financially prepared for it, advises Bindisha Sarang.
Begin the year-end review by assessing whether your portfolios are on track to achieve your life goals.
Understand the pros and cons of SGBs before rushing to invest in them based on past returns.
Instead of only focusing on the tenure for which the best interest rate is available, investors should also focus on their own investment horizon.
'Non-par plans returns are not market-linked. Hence, they can offer guaranteed returns.'
Rather than one-year returns, look at benefits of long-term investment in equity.
It should cover mandatory expenses, insurance premiums and loan installments for six months to a year.
Salaried employees get several benefits under Sections 80C, 80D, 80G and others.
The whole idea is to have a balance between long-term and short-term goals.
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