When investing in fixed-income products, balancing considerations like safety, liquidity, and income is essential.
'Young investors should focus more on equity, while retired senior citizens should prioritise fixed income.' 'Mid-career investors should aim for a balanced allocation.'
'Non-par plans returns are not market-linked. Hence, they can offer guaranteed returns.'
'Sector funds like IT funds should be included only in the satellite portfolio.' 'Limit your exposure to IT sector funds to around 5-10 per cent of your equity portfolio.'
Investors need to evaluate how they stack up against other high credit quality fixed-income options before putting money in them.
Young investors could allocate in the proportion of 70:20:10 to equity, debt and gold.
Make sure you read the policy wording. Some policies cover pre-existing diseases while others don't. Many need a minimum 24-hour hospitalisation, advises Bindisha Sarang.
It is advisable to avoid a fund until it develops a track record.
With the wedding season already in full swing, a few things to keep in minutes financially when tying the knot, advises Bindisha Sarang.
Given its focus on the real estate sector, financial planners feel this scheme is not meant for first-time investors and any investor should only have 5 to 10 per cent exposure to this fund.
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.
If new goals have emerged, this is the time to make fresh investments.
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