Only experienced investors with a high risk appetite, a grasp of market cycles, and comfort with volatility and timing risk should invest.
Registering the agreement for sale remains the most reliable way for a homebuyer to secure their legal and financial interests.
Until now, salaried individuals having income under the head LTCG were required to file Form ITR-2.
'While investors believe in India's long-term growth story and resilience amid global uncertainty, they see near-term risks around the direction of a global trade war.'
'The universe of PSU stocks is huge and diverse.' 'Investors should bet on specific sectors and stocks from the basket as most of them may continue to consolidate after years of outperformance.'
Besides wrong selection of ITR form, many professionals claim deductions they are ineligible for.
'Always ensure that lease terms are clearly written in the agreement, including rent escalation clauses and notice periods.'
Taking possession without an OC can lead to legal complications, denial of utilities such as water and electricity, hurdles in availing home loans or reselling the property, and even eviction.
Tenants should primarily buy contents insurance. 'This covers personal belongings like electronics, furniture, clothes, and appliances against risks such as fire, theft, floods, and other natural calamities.
Some products offer terrorism cover as part of the base offering, while in others it is an optional cover.
Targets should avoid panicking and hang up. 'Disconnecting stops the scammers from building psychological pressure.'
In an age where personal data is a valuable commodity, investing in cyber insurance is not just a prudent choice; it is becoming a necessity for individuals and families alike, says T A Ramalingam.
With the RBI infusing Rs 7.5 lakh crore in liquidity -- and possibly more in the future -- the short- to medium-term corporate bond market is expected to benefit.
'Investors' decisions should reflect their financial goals, risk tolerance, and the amount of gold already present in their portfolio.'
'Choose an FD tenure that provides a balance between returns and the horizon for which you can invest.'
One should avoid keeping excessive funds in one's savings account.
'Investors should continue with their SIPs, especially during market corrections.' 'For those looking to start new SIPs, beginning with large-cap funds is a prudent strategy, followed by flexi-cap and value-oriented approaches.'
For investors who missed the initial IPO frenzy, the market correction is an opportunity to selectively invest in promising names, but patience and careful evaluation remain the key.
Buying makes sense for those planning to stay in a city for at least 7 to 10 years. Financial preparedness is crucial.
Review your family emergency fund and replenish it if needed. Revisit financial goals to see if there is any change in timeline or the corpus required.
Investors should avoid making drastic changes to their asset allocation during a market correction.
'Go for a base cover of Rs 10 lakh and then buy a super top-up of Rs 90 lakh.'
Market downturns or regulatory shifts can reduce liquidity, making it harder to buy or sell assets when needed.
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
Raising a child as a single mother in India can be challenging, especially when it comes to managing finances.
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
Total market funds are ideal for long-term investors who prefer a simple, hands-off approach, making them suitable for those unwilling to manage multiple funds.
'If gold's recent surge has increased its allocation beyond 15 per cent in your portfolio, now may be a good time to rebalance.'
The biggest risk in under-construction projects is delay and non-completion.
'Buyers should be provided either a fixed possession date or a firm date for the start of construction.'
Invest in these funds through the SIP route with at least a seven-year horizon.
Younger investors with long investment horizons may continue their SIPs.
ELSS investments require a long-term commitment of at least seven years.
'Stay disciplined, and remain invested.' 'Volatile times are the best to invest in structural opportunities at the right price.'
'They are ideal for short-term financial goals like children's education or a down payment for a house.' 'They are also useful for transitional savings, such as during job switches or while starting a business.'
Sanjay Matai, a financial adviser and author, penned this advice for his son when he got his first job and first paycheque.
DIIs owned equities worth Rs 73.5 trillion, just 1.9 per cent less than FPIs. This marks a significant change from a decade ago.
'Some part could be used for consumption purposes, and the rest could be used to meet important financial goals.' 'The split can be 30:70 to 50:50, depending on one's situation.'
'If the markets correct further, PSU stocks could continue to decline.'
'If you are not prudent, you may exceed your budget, and if it happens too often, you may end up in debt.'
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