In the last few months, the 10-year G-Sec has been gyrating sharply and has crossed the 9-per cent-yield mark four times.
With home loan rates headed north, experts advise how borrowers should cope with their rising liabilities.
Since there are many and complicated choices, retail investors stand to benefit
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?
Because of a new notification, any retirement planning done by non-resident Indians through PPF will go for a toss, experts tell Sanjay Kumar Singh.
If the changes being considered by the EPFO become a reality, investors may have to be more active in deciding equity preference and when to withdraw money, reports Sanjay Kumar Singh
The aggressive life cycle fund will allow equity exposure of up to 75%, up from the current limit of 50%.
The next revision will make the rates similar to those of bank FDs.
Despite the equity booster, many would be uncomfortable about NPS.
Ponzi schemes have characteristics that the informed investor can spot easily.
'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
Investors should avoid jumping from their current funds into those that have outperformed lately, advises Arnav Pandya, a certified financial planner.
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
Novices should enter markets via SIPs of equity mutual funds.
Investors should quiz them to understand the product, which options to invest in, and how to get the final payout
If the refund is wrongly adjusted against any past tax liability, immediately clarify it online
With stock prices at elevated levels, investors must cut valuation risks in their portfolio
If new goals have emerged, this is the time to make fresh investments.
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