Instead of being guided only by returns, investors should also factor in the risks of lending on these platforms.
High dividend yield stocks usually perform well in a rising interest rate environment when investors value cash flows more.
An investor would pay much less when he invests through a registered investment advisor than a distributor.
The next revision will make the rates similar to those of bank FDs.
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Gold companies have started reducing production. This implies that gold prices will not go on a free fall anytime soon
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
These ETFs will also carry interest-rate risk, especially the 10-year ETF. The investor can overcome this risk by holding them till maturity, suggests Sanjay Kumar Singh.
'Investors don't have to worry about underperformance in passive funds, which earn market-equivalent returns.'
A charitable organisation supporting a cause close to the investor's heart can also be a nominee.
Efficient land use, minimum congestion, a focus on dharamshalas (inns) and homestays, upgrading the infrastructure while retaining the historical and cultural character of the city are some of the highlights of the plan prepared by Kukreja, the managing principal of CP Kukreja Architects.
Retirees have better options that offer liquidity, better returns and are more tax-efficient.
There are millions of Indian women who avoid the responsibility of managing their finances due to a variety of reasons, including cultural and social conditioning.
Yes. Whilst public expenditure is kicking in, the key reason is the decline in private investment
Kiran Kumar Kavikondala, Director, WealthRays Group will talk on investments in equity shares.
Kiran Kumar Kavikondala, Director, WealthRays Group will talk on investments in equity shares.
Why the case for investing in passive funds is becoming stronger.
There will be tough periods in equity investing, but investors should not stop their SIP investments under any circumstance, advises Arnav Pandya.
The choice should depend on the size of the retirement corpus, stage in life, and state of health.
When looking at fund returns, avoid looking at just the past 12 months' performance, says Sanjay Kumar Singh
Kiran Kumar Kavikondala, Director, WealthRays Group will talk on investments in equity shares.
Don't exit from growth-style funds as they may benefit next from a shift in investor preference.
'Set aside around six months' monthly expenses for emergencies.' 'Keep this money in safe and liquid options, such as liquid funds and fixed deposits.'
Financial planners also believe that retail investors should avoid the IPOs or direct stock route because it is too risky for them.
Investing heavily in a top-performing fund during good times can cause long-term pain. Don't invest lump sum at market peaks.
Monitor how long the high cash position lasts. If it lasts for a month or two, it is fine. But if it continues for a couple of quarters, seek your advisor's opinion on whether to exit the fund.
From April 1, subscribers will be able to change investment option & asset allocation twice a year, instead of once. Use greater flexibility offered by pension scheme judiciously.
Investors should avoid jumping from their current funds into those that have outperformed lately, advises Arnav Pandya, a certified financial planner.
Remember, pension from EPS will be taxable at slab rate, reducing the post-tax income for people who remain in the higher tax brackets after retirement.
It is a toss-up between liquidity and higher returns; if the tenure is more than three years, FMPs score.
Sebi's suggestions are good but investors should not become overconfident.
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
'Planning for the transfer of assets to the next generation is an important aspect of financial and estate planning.'
In these times of global uncertainty, be cautious in selecting the right market and fund.
In India, younger workers willing to work at lower salaries are easily available, so you could find yourself out of a job before 60. Therefore, save for retirement with urgency, advises Sanjay Kumar Singh.
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
When it comes to making investment decisions, women tend to shift this responsibility on their close family members. While trusting one's close family members is not wrong; completely depending on them can lead to trouble when one is left alone. The reasons could be an eventuality in the family or a separation from spouse.
Take calculated, not blind risks, suggests Ramalingam K.
Given the uncertainties around gold's future course, stagger your purchases and buy on declines, says Sanjay Kumar Singh.
