'By investing in a basket of funds, FoFs can help minimise the impact of underperforming funds, thus reducing overall investment risk.'
'Many do not have robust business models, and their prospects of survival and long-term growth are poor.'
'File all the supporting documents in response to the allegation since there is a possibility of the proceedings getting dropped at that stage if the reply is satisfactory.'
IPOs inherently carry more risks than stocks that have been listed on the exchanges for some time.
Experts say you should be certain of living in a city and locality for a long time before purchasing a home.
Only borrow an amount that can be repaid comfortably. The ratio of total EMI to take-home salary should not exceed 40 per cent.
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
It is advisable to file your ITR right away and not rely on potential extensions.
'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Adopting overly aggressive strategies without considering risk could lead to significant losses during the next downturn.
FDs are not advisable for long-term wealth creation as their post-inflation, post-tax returns are not very attractive.
A taxpayer who does not revise their return within the stipulated deadline would be stuck with the original return, including its errors.
All investors should ideally have a 10 to 15 per cent allocation to gold. Whether they invest in gold ETFs or SGBs should depend on their investment horizon.
Younger people, who usually have a longer investment horizon which allows them to handle the interim volatility, may go for them.
'Compare the new slabs with the previous years to understand if your tax liability will increase or decrease after the Budget.'
Make minimum payments on all debts, then use extra funds to tackle the smallest debt first.
'Despite rising inflows, many NRIs lack awareness about NRO and NRE accounts and mistakenly use family accounts or invest in a relative's name.' 'Many are unaware of tax implications.'
To minimise risk, invest in a debt fund whose duration matches your investment timeframe.
'PPF carries minimal risk.' 'Its fixed-income nature allows investors to diversify their portfolios.'
Is the latest mobile or car or a house the goal? If so, the savings and investments should be aimed at catering to it. The amount needed has to be worked out, and money needs to be saved, accordingly, suggests Sarbajeet K Sen.
People in full-time jobs should especially avoid intraday trading as it results in loss of focus and affects performance.
Submitting a late return helps you stay compliant with tax regulations and avoid legal issues.
'If the borrower can't repay the loan due to lack of income or losses from speculative activities, they risk defaulting on it.' 'This could lead to the bank seizing the property.'
Investors with a long-term horizon and high-risk appetite seeking capital appreciation can consider investing in ELSS.
Keeping surplus money in a bank account has become perilous, alerts Harsh Roongta.
Don't let knotty financial issues weaken your marital bond. Heavy liabilities of one partner have the potential to sour a new relationship. So, develop a plan for how you will deal with these.
Investors keen on mid and smallcap stocks but wary of volatility should consider multicap equity schemes over standalone midcap or smallcap schemes.
MMFs invest in fixed-income instruments maturing in less than one year, minimising interest-rate risk.
'...you evaluate three key factors before committing your money.'
Consider a combination of a base policy and a super top-up policy.
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.
It is essential to have a comprehensive motor policy, and not just a third-party cover, as the latter does not protect your own vehicle.
'If an individual makes significant financial investments, she should stick to the old regime.' 'If the individual prefers straightforward computation without any tax benefits, the new regime would be suitable.'
If the cashless request is denied, the entire cost may need to be paid for planned treatments.
'An equity-based index fund should be held for more than five years to average out market volatility and achieve financial goals.'
'If the portfolio growth rate is higher, take this loan. If it is lower, liquidate your investments.'
'It's better to be over-insured than underinsured.' 'Ensure your home insurance includes STFI (storm, tempest, flooding, and inundation) cover for protection against monsoon rains.'
'Lack of self-control over spending leads to a credit card debt trap.' 'People think they have money and spend using a credit card, but when it's time to pay, they realise they don't have the money.'
'We expect market consolidation and recommend buying during market dips.'
If gratuity is not paid within 30 days of termination, the employer must pay interest as set by the central government.
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