Investors need to evaluate how they stack up against other high credit quality fixed-income options before putting money in them.
Despite its recent underperformance, gold must be a part of your portfolio.
If an ITR is not filed or the tax due is not paid on the deceased person's behalf, there can be penal consequences.
If you pledge market-linked instruments and their value plummets, you will have to provide additional collateral, points out Sanjay Kumar Singh.
'The minimum holding period for equities should be three years.' 'Try goal-based investing.' 'Link your equity portfolios to specific goals such as retirement, purchase of a house or car...'
'A policy that covers a wider range of diseases will offer greater peace of mind.'
'FDs should hold your emergency funds, equivalent to around 6-12 times your monthly expenses.'
Bundled products often come with restrictions. The customer also gets locked into two products at the same time. This reduces flexibility.
Young investors could allocate in the proportion of 70:20:10 to equity, debt and gold.
Personal accident cover should be purchased by everyone, irrespective of age, occupation or health condition, as one does not know when an accident could occur, causing hardship to the family.
Most traditional health insurance plans didn't cover the cost of such treatments earlier, but several recently launched policies do offer such coverage -- some as a rider, and a few as standalone covers, points out Sarbajeet K Sen.
While investing in PPF, investors must remember to put in the money at the right time to maximise the return they earn from it.
To minimise hardship for legal heirs, home loan borrowers must purchase additional insurance cover while taking a home loan.
Avoid investing in a new ELSS scheme each year. Stick to one well-chosen scheme to avoid clutter in your portfolio.
Tax benefit on WFH expenses, regulatory clarity on cryptos figure high on their wish list.
'Tenants who pay rent above the threshold limit must be extra cautious about TDS fillings.'
Multi-asset funds offer exposure to gold, which tends to do well in times of geopolitical tensions and inflationary pressures, suggests Sanjay Kumar Singh.
Buying or selling securities based on rumours about expected changes in tax rates or sectoral sops can backfire, advises Sarbajeet K Sen.
'Funds based on this theme offer socially conscious investors an option to invest in a portfolio that is aligned to their beliefs.'
If the shares are purchased for investment, then it would be treated as a capital asset and taxed as capital gains.
But if the shares are bought and sold in a short duration repeatedly, then it would be taxed as business income, explains Amit Gupta.
You can avail of tax deduction on expenses incurred on preventive health check-ups. This provision is beneficial to younger people who don't exhaust their Section 80D limit with their health insurance premium.
If you are buying a bond to cater to your regular income needs, check the interest distribution schedule.
Despite the current bout of volatility, debt-oriented hybrid funds remain well suited for risk-averse investors.
The National Commission ruled that a person must opt for a policy and submit the proposal form after acquainting himself with the terms and scope of coverage to determine where it would be suitable and adequate.
A home loan is a long-term contract, so do shop around before signing on the dotted line, advises Sarbajeet K Sen.
While reasonable safeguards should be built in, there can't be restrictions on the individual's right to leave her/his money to whoever s/he wants, notes Harsh Roongta.
These funds have lowered the entry barrier for investors who can now invest with just Rs 5,000, points out Sanjay Kumar Singh.
Stocks offering attractive dividends contain downside better when the markets correct, advises Sarbajeet K Sen.
Make sure that the waiting period on pre-existing diseases does not exceed two years. Avoid policies that come with room rent and ICU capping, suggests Sanjay Kumar Singh.
'Stick to FDs of shorter tenures, preferably one-two years.'
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.
Risk is difficult to evaluate, warns Harsh Roongta.
If an assessee misses the December 31 deadline, s/he can file a belated tax return by paying a late filing fee. 'This must be done within three months from the original filing date.'
Having exposure to international funds and gold is a must for those who have foreign currency-denominated goals.
One of the biggest advantages of index funds and ETFs is their low cost, points out Sarbajeet K Sen.
Failure to do so leads to incorrect filing and under-reporting of income, with adverse consequences, advises Bindisha Sarang.
Choosing the right wallet is crucial, alerts Bindisha Sarang.
Only investors who understand the significance of ESG investing should enter these funds for the long term, advises Sarbajeet K Sen.
'Investors with as little as Rs 1 can start investing in digital gold.'
Investors need to get the timing of entry and exit right to make money in thematic and sector funds, suggests Sarbajeet K Sen.
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