FMPs remain an option for investors who believe interest rates could head downward over time and wish to lock in the current rates. TMFs have very low expense ratios, which makes them cost-efficient.
Don't solely focus on tax-saving alone.
Customers who possess gold jewellery but are either being denied a personal loan or are being asked for a high interest rate due to their poor credit profile may consider a gold loan.
Investors should use a mix of active and passive funds.
If you fail to make the lump sum deposit before April 5, do so at least before the 5th of the next month (May). That way you will only lose out on the interest for April.
Investors must adopt a balanced approach, incorporating both styles in their portfolios.
These are usually found among small and midcaps. It is not easy to find such stocks, especially after a strong bull market, discovers Debashis Basu.
Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.
Everyone (with some exceptions) whose estimated tax liability is Rs 10,000 or more in a financial year must pay advance tax.
'Liquid ETFs help in cash management by enabling a smooth transition between equity and cash within the same settlement cycle, as they trade in the same segment as equity.'
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
An individual can avail tax deduction on the amount spent during the year on a deferred annuity for self, spouse, or child.
If the gift is received from a relative, there is no tax implication. But if the gift is received from a non-relative and exceeds Rs 50,000 in value during a financial year, the entire value of the gift is taxable.
If your children live abroad, rely more on financial assets as they are easier to liquidate and move across borders.
An allocation to ESG theme funds can bring down the overall risk of an equity portfolio. Investors with long-term financial goals, such as retirement, should not ignore sustainable investing.
Those who cannot bear significant downturns (as much as 40 per cent) or have a short horizon should exit entirely.
Taxpayers with old, outstanding taxes will benefit from the CBDT's new scheme.
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
In numerous instances, family members are unaware of an insurance policy's existence, let alone its details.
Municipal corporations penalise late property tax payments. 'Penalties can include attachment of properties, bank accounts, rent and other movable assets," says Anand Moorthy, co-founder, Square Yards.
The home loan top-up, a kind of secured multipurpose personal loan, is on the regulator's radar, points out Tamal Bandyopadhyay.
Do not shop around for loans immediately after getting a secured credit card. Such loan enquiries can also pull down credit score, as they are treated as a sign of credit-hungry behaviour.
Borrowing from a fraudulent loan app subjects the borrower to a variety of risks.
Understanding tax residency rules and maintaining proper documentation is imperative to ensure smooth tax compliance.
'It makes sense to have gold in one's portfolio keeping the political and economic risks of 2024 in mind.'
If investing in Bitcoin, adopt a three to five-year horizon and invest systematically to gain from its volatility.
'The barbell strategy says that the best way to strike a balance between risk and reward is to invest at the extremes of the risk spectrum.'
'If equities perform well in a year, withdraw money from equities. If the equity market is down, shift withdrawal to the debt portion.'
While near-term performance is difficult to predict after a huge run-up, fund managers believe the PSU theme's prospects remain sound over the medium to long term.
'Your decisions should not be driven by your view on the market, but by your objectives, risk appetite, and time horizon.'
While tenants can't escape the impact of rising rentals entirely, they can adopt a few strategies to reduce the impact.
Those who want to invest should consider their risk appetite. Youngsters may go for it as they have a longer horizon to recover from a setback.
Enhancing your credit score is the key to improving loan eligibility and securing a favourable interest rate.
'Clients deemed higher-risk are required to update their KYC more frequently.'
What many don't realise is that including their spouse and children in their tax planning can enable them to reduce their tax burden legally.
If you are overweight on fixed-income instruments, go for ELSS, and vice versa.
Regardless of market levels, invest in stocks and equity mutual funds in a staggered manner.
Jacob Fugger could always add value for his customers. He made himself indispensable. That kept him in the game
Since MAAFs invest across multiple asset classes, they offer diversification.
With unlimited youthful energy, a capacity to earn more and wonderful years ahead of them, students definitely need to learn about handling money matters early in life. Here's a good starting point
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