Only investors with knowledge of cryptocurrencies, long-term conviction, and a long horizon should invest in this asset class.
'Ensure that all property-related documents are up-to-date.' 'Relying on outdated documents can create legal complications.'
'Retail investors, who had not seen such a massive correction in the SMID universe since COVID-19, are witnessing something like this for the first time. Panic profit booking may continue.'
Invest with a 5 to 7 year horizon so that you are able to ride out price volatility and benefit from the long-term trends of demand and macroeconomic shifts.
In addition to interest rates, review the fine print for penalties and repayment terms, and select a reputable lender to avoid harsh recovery practices.
If you lack an emergency fund or it is depleted, use part of your bonus to build or replenish it.
'When interest rates rise, the NAVs of these funds will fall.' However, they won't fall as much as longer-duration funds.
'Allocate up to 20 per cent of your core equity portfolio to quality funds.'
New investors should gradually build a 5 to 10 per cent allocation to gold.
More than 50 per cent of SIP accounts come from semi-urban and rural areas.
'A 20 per cent equity allocation to ESG funds is a good start.' 'As more evidence on ESG performance builds, investors may increase allocations.'
Investors need to carefully assess country-specific risks. 'This is especially true of a market that is less transparent than the US.'
Cardiac care plans are ideal for individuals with pre-existing heart conditions or a family history of heart issues. Those who can't get coverage under a comprehensive plan should opt for these plans.
'The problem is that the bubble may not only be in valuations, but also in investors' minds.'
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
Self-employed individuals often face hurdles in buying term insurance due to financial documentation that doesn't fully reflect their earnings. This complicates underwriting.
While festive offers can reduce costs, borrowers should also consider the lender's transparency and service quality. Customers need to be mindful of their repayment capacity.
'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture during travel, or a fall in the bathroom.'
DAP does not consider past I-T returns to match a taxpayer's resources with their expenditures or investments, points out Harsh Roongta.
'More investors now view the stock market as a valuable opportunity, though many still seek quick gains, leading to a rise in futures and options trading.'
'Investors with a long-term investment horizon and the risk appetite for fluctuations in property values may find SM Reits a viable option.'
'Credit card debt comes with high interest cost and stringent penalties.' 'If you do not repay on time, the costs balloon.'
'Choose an equity allocation that will allow you to remain invested even if the market falls by 50 to 60 per cent.'
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
Using credit or debit cards abroad can prove costly.
For Indian parents, sending a child abroad for a three-year degree could deplete 48% of their retirement savings, while a four-year degree may consume up to 64%.
Momentum funds can be 10 to 15 per cent more volatile than the Nifty 50.
Equity-focused schemes may perform better in a bull market, while debt-oriented ones may offer greater stability during volatile periods.
'Any earnings, regardless of location, will be subject to Indian income tax.'
While SGBs are a sound investment, they aren't worth buying at any price. The interest income you earn from them will not justify paying a high premium.
When evaluating bonds, returns shouldn't be the sole factor. Pay close attention to the bond's credit rating. It should ideally be AA or higher.
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.
'It's advisable not to go overboard on a banking sector fund or any other sector fund.'
'With tuition fees for international students rising, education loans have become critical for bridging the gap between savings, scholarship, and full cost.'
'The PAYD model adjusts the premium based on your driving habits. If you drive less, you pay less.'
'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.'
'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
'For those seeking regular income, these funds provide a steady stream of income through dividends.'
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
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