These products are extremely transparent and are the lowest charged products in the insurance space. The policyholder has to only pay the fund management charge. Hence, from the cost side, ULIPs are very competitive.
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Exposure to debt funds and gold is essential even if current returns from these asset classes are low, suggests Sanjay Kumar Singh.
Do a proper asset allocation and invest through systematic investment plans where one can benefit.
Instead of getting swayed by market gyrations, investors must stay invested for the long term, advises Sarbajeet K Sen.
About 24 fund houses saw a decline in their debt AUMs in the past one year.
In 2021, there is the risk of interest rates spiking. Investors should tackle duration risk with a longer investment horizon, suggests Sanjay Kumar Singh.
Keep your mobile number and e-mail updated. When you receive the weekly report on cash holdings, check to ensure there is no discrepancy between the amount you have kept with the broker and what the latter has reported, advises Sanjay Kumar Singh.
Consumer activist Jehangir B Gai explains an important new ruling by the National Commission.
The BSE Midcap and the Small-cap Index have run up 25.3 per cent and 31.3 per cent respectively over the past year. Valuations are no longer cheap, notes Sanjay Kumar Singh.
If the nominations are not in place, the heirs need to go through a lengthy process to get access to the money cautions Bindisha Sarang.
Staggered pull-out will help investors if the market continues to rise.
Holding cash may actually help fund managers limit downside in the current environment, but large cash component poses the risk of missing out sharp upsides in a broader market rally, reports Jash Kriplani.
The companies that have seen sharp erosion of market wealth include YES Bank, Indiabulls Housing Finance, Zee Entertainment, Vodafone Idea, and Bharat Heavy Electricals.
The pandemic should force you to take a hard look at the downside risks that could jeopardise your finances.
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'Decide on an asset allocation you are comfortable with and stick to it for the long term.'
The Kerala consumer commission recently concluded in a medical complaint that while negligence had necessitated a second surgery, as there was no evidence to show that it was the cause of disability, it reduced the original compensation ordered, points out consumer activist Jehangir B Gai.
'In most schemes, where the monthly investment is a fixed amount, investors run the risk of the price of gold rising during the tenure of the recurring deposit,' notes Harsh Roongta.
Rakesh Jhunjhunwala sounded another note of caution on the nature of the latest bull run.
'Opt for this facility only after doing a cost-benefit analysis: Will the savings in interest cost by parking your surpluses in the home loan overdraft account outweigh the higher interest cost of this loan?'
MFs have benefited from a shift to financial assets from physical assets like real estate and gold.
LIC is currently allowing customers to revive policies that have lapsed for more than two years.
There are judicial precedents where it has been held that if payment is made for temporary disablement, it would be taxable, points out Tinesh Bhasin.
The move is aimed at protecting investors from parking their money in dubious schemes.
The coming years could be exciting for Bandhan Bank, IDBI Bank, IDFC First Bank, Federal Bank, and CSB Bank.
ICICI Lombard is utilising the latest technology and forensic methods to verify insurance claims.
>You can buy a life insurance policy for someone else only if you have an insurable interest or expect financial loss from that person's death, points out Tarun Chugh, MD and CEO, Bajaj Allianz Life Insurance, answering insurance questions.
Both the debt and equity markets have seen sharp volatility in recent months.
The benefit offered under small-ticket insurance may not be huge, but it is better to have cover, suggests Sarbajeet K Sen.
'Our preference remains for the less-expensive industrial stocks, which are showing good earnings momentum.'
Tax planning should not be left for March. If you do so, you could face a severe cash crunch in that month, warns Sanjay Kumar Singh.
'It is advisable to invest in them early in life and stay invested for a longer period to achieve long-term goals and accumulate wealth.'
You can reduce your tax burden by wisely using partially taxable allowances, suggests Bindisha Sarang.
Install a security software that has an app advisor function, advises Tinesh Bhasin.
Two factors play a predominant role in fetching good returns -- stock selection and allocation, suggests Sanjay Kumar Singh.
Sebi may allow mutual funds to make use of covered calls as part of their equity strategy.
Each financial product is governed by a different regulator and the rules for gifting vary, points out Tinesh Bhasin.
Many would have racked up debt this Diwali, using credit cards and consumer loans. Here are a few simple steps on how to fix your financial mess, says Bindisha Sarang.
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