'Asset allocation should change only if your goals, life situation, or risk profile have changed.'
Novice investors must understand that volatility is an inherent part of equity markets and learn to navigate through such phases.
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
New investors should gradually build a 5 to 10 per cent allocation to gold.
Using credit or debit cards abroad can prove costly.
'Consider your household's financial health and all your other goals.' 'Buying a house might seem like an urgent goal, but it is rarely the only one.'
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
There are so many first-time jodis arriving on the big screen this year.
'Understand how wedding expenses fit into your overall financial situation.' 'Evaluate how different levels of spending will impact other goals like retirement, travel, or housing.'
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Do not keep a large portion of your long-term portfolio in FDs.
If the cashless request is denied, the entire cost may need to be paid for planned treatments.
Invest in MFs for liquidity and choice of funds. Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
Gujarat and Himachal Pradesh are set for a high-stakes clash as they battle for the final quarter-final spot from Elite Group B.
'Investing abroad helps mitigate currency risk for foreign-currency denominated goals, such as children's higher education and international travel.'
'Splitting must result in tangible benefits for the customer, otherwise it will only mean more work for them in maintaining the policy and for their nominees.'
For those looking for more affordable options, purchasing an under-construction property could be a smart move, as these generally cost less than ready-to-move-in properties.
Debt mutual fund (MF) schemes, which witnessed relatively muted inflows in the past three years, saw a surge in investor interest in April amid election-induced volatility in the equity markets. Active debt funds garnered nearly Rs 66,000 crore net inflows in April, most at least since December 2020.
The biggest releases of 2025 will actually start arriving in theatres from the Independence Day weekend.
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.
Customers who possess gold jewellery but are either being denied a personal loan or are being asked for a high interest rate due to their poor credit profile may consider a gold loan.
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.
In the case of double-income couples, not more than 40 per cent of the net income of one partner should be the EMI for the property.
After Bandhan MF's US Treasury Bond 0-1 year Fund of Fund (FoF), Aditya Birla Sun Life (ABSL) MF has come out with US Treasury 1-3 Year Bond ETFs FoF and 3-10 Year Bond ETFs FoF. US bonds, which generally offer low yields, have turned attractive post the 525-basis point hike in US interest rates. According to Bloomberg data, the 1-year and 2-year US treasury yields now stand at 5.4 per cent and 5.1 per cent, respectively. Although the yields remain lower than what Indian government bonds offer, the differential has come down steeply.
Borrowing from a fraudulent loan app subjects the borrower to a variety of risks.
Investors looking for a fixed-income product that is free of credit risk may invest in these bonds.
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.
Hybrid mutual fund (MF) offers, expected to drive higher investor interest after the change in debt fund taxation, are set to end 2023 with the slowest account growth in the past three years. Investment accounts in hybrid funds are up 5.7 per cent so far in 2023 compared with 7.6 per cent in 2022 and 20 per cent in 2021, shows the data from the Association of Mutual Funds in India (Amfi). In 2020, the count had dipped 2.4 per cent.
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
'If you are investing in a Ulip for returns, go for a type I Ulip.' 'If you are investing for insurance cover as well, type II is better.'
Instead of being guided only by returns, investors should also factor in the risks of lending on these platforms.
'Clients deemed higher-risk are required to update their KYC more frequently.'
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.
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.
She's inside the Bigg Boss OTT house, ready to charm everyone.
As news of Sidharth Shukla's shocking death spread, his friends from the television and film industry arrived at Mumbai's Cooper Hospital, where Shukla's body was taken, to pay their last respects.
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
