You can increase or reduce the sum assured of a term cover, depending on changes in your overall liability, advises Bindisha Sarang.
At the outset, decide whether you want to be a trader or an investor, suggest Sarbajeet K Sen and Sanjay Kumar Singh.
'If you are ready to stomach the loss, you may invest 3-5 per cent of your portfolio in crypto assets.' 'Of this, 80-90 per cent should be in Bitcoin.'
Investing merely on the basis of past return can land you in trouble even in debt funds, a supposedly safe asset class, suggests Sarbajeet K Sen.
Investors should keep updating their personal and bank details with fund houses. They should also opt for the auto-pay facility so that the dividend proceeds get credited into their account directly, advises Bindisha Sarang.
'It is a good match for those aged 25-30, who have just started working and need a basic product.'
EPF allows partial withdrawal to meet situations like house construction, medical emergency, and so on.
Consumer activist Jehangir B Gai explains a RBI circular that says the customer is not liable for unauthorised transactions that occur due to contributory fraud, negligence, or deficiency on the bank's part.
Mutual funds aspirants have the option of snapping up smaller AMCs or applying for a new licence.
Many investors, who have made money in the rising market of the recent past, are pulling out of equity funds, believing that they can earn more by investing directly.
Investors must, however, be prepared for volatility in ELSS, cautions Sanjay Kumar Singh.
Affordable pricing, a variety of themes, and the ease of transacting are among key reasons that have made smallcases a hit among young investors.
Once the new rules kick in, you will have less cash-in-hand and may feel tempted to scale back on savings and investments.
The EPFO had decided that 8.15 per cent interest from its debt income would be credited immediately and the remaining 0.35 per cent capital gains from the equity sale would be given later, subject to its redemption.
CLSA says any correction in the market due to poll related uncertainty could be a buying opportunity.
With the wedding season already in full swing, a few things to keep in minutes financially when tying the knot, advises Bindisha Sarang.
There are, however, a few aspects to factor in before considering G-Secs as an investment option, advises Bindisha Sarang.
'Do some profit booking and bring your equity allocation back to its original level.'
Stick to low-cost ULIPs launched in the past few years. Go with an insurer with a good investment team and solid track record of long-term returns, suggests Sanjay Kumar Singh.
Experts say this is a good time to buy a house for self-use, points out Sanjay Kumar Singh.
Banks and friendly neighbourhood jewellers can serve as good channels to provide liquidity for gold deposits with built-in incentives for them, suggests Harsh Roongta.
Retail investors may safely invest in shorter-duration funds, suggests Sanjay Kumar Singh.
Investing in the US market provides Indian investors a hedge against the rupee's long-term tendency to depreciate against the dollar.
If you are scouting for a property, finalise the deal within the next seven months and benefit from this measure, suggests Bindisha Sarang.
Investors who cannot manage an asset-allocated portfolio or rebalance regularly, or do not have an advisor, may opt for these funds, but only after a detailed study of their strategy, suggests Sanjay Kumar Singh.
Bear in mind that the amount you get paid depends on the stage at which cancer is detected, reveals Sanjay Kumar Singh.
Only those who stick to the old I-T regime will get this benefit.
While small-caps have delivered higher returns than their large-cap peers, investors would do well to recognise the incremental risk of investing in these companies.
It is advisable to avoid a fund until it develops a track record.
When looking for alternatives, consider several parameters -- your investment horizon and liquidity requirement, post-tax returns, and risk.
'If you miss the deadline, you can still file a belated tax return till March 31, 2021, with a fee under Section 234F, which could be up to Rs 10,000, in addition to an interest under Section 234A and 234B of the Act.'
'Remember, if an app breaks the rules while giving you money, it will also break them while collecting.'
If you plan to invest in an FD, go for the 12-15-month tenure. This will allow you to redeploy maturity proceeds at higher rates (if rates rise), advises Sarbajeet K Sen.
in the longer run, there is no substitute for a standard term, accident, and a comprehensive health cover, with adequate sum insured that will give you round-the-clock and year-after-year coverage.
Rajeev Mahajan, co-founder, director and CEO at Antworks Money will answer all your queries related to availing business loans in an online chat March 21 between 2 pm and 3 pm
If you invest for the shorter-term now, you will be able to roll over to higher rates when the interest-rate cycle turns, advises Sarbajeet K Sen.
There can be as many as six co-applicants in a joint loan.
G Murlidhar, MD and CEO, Kotak Mahindra Life Insurance Company explains how to make smart financial decisions for better gains.
'Most Indian logistics firms do not have the facility to store and transport COVID-19 vaccine right now.'
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