Since NPS is used for a long-term goal like retirement, allowing younger investors to have higher exposure to equities will give them a chance to earn higher returns.
Another major development is REITs coming closer to reality
'Decide on an asset allocation you are comfortable with and stick to it for the long term.'
Given the uncertainties around gold's future course, stagger your purchases and buy on declines, says Sanjay Kumar Singh.
Investors should allocate 10 to 15 per cent in their portfolios to gold through sovereign gold bonds.
These ETFs will also carry interest-rate risk, especially the 10-year ETF. The investor can overcome this risk by holding them till maturity, suggests Sanjay Kumar Singh.
Assume the worst regarding how long your unemployment could last and make conserving cash your topmost priority, suggests Sanjay Kumar Singh.
Monitor how long the high cash position lasts. If it lasts for a month or two, it is fine. But if it continues for a couple of quarters, seek your advisor's opinion on whether to exit the fund.
If a risk taker and young, NPS would suit her/him. Otherwise, s/he should go for EPF.
By diversifying into developed market equities, Indian investors can mitigate the impact of cyclicality in returns as well as reduce currency risk, experts tell Sanjay Kumar Singh.
The gains from investing in direct plans can be higher than the difference in expense ratios.
When selecting investments, pay attention to potential return, risk and how easily you can exit it.
While seniors seeking a regular income should switch to debt funds from balanced funds, younger investors should invest in balanced funds after understanding their risks.
Sending money to families in India will get more expensive
With natural and man-made calamities posing a risk to your home, it makes sense to buy home insurance
From April 1, subscribers will be able to change investment option & asset allocation twice a year, instead of once. Use greater flexibility offered by pension scheme judiciously.
New retirement schemes from MFs offer Section 80C benefit but locks in your money for five years
When looking at fund returns, avoid looking at just the past 12 months' performance, says Sanjay Kumar Singh
How investors can tweak their fixed income investments to earn more in the current environment.
Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor, suggests Sanjay Kumar Singh.
Now that the National Pension Scheme offers more choices than the Employees Provident Fund, is more transparent and also allows to choose the level of allocation to equities as investors like, should one switch to the NPS?
Despite recent setback, these remain the most appropriate tool for international diversification
The proportion in which a joint home loan is taken is important.
Experts say the size of the fund shouldn't be a primary criterion for selection.
'By entering at an early age, they stand a better chance of developing into skilled investors.'
Those just starting their careers should avoid adding to their liabilities, especially if they already have an education loan. They should think hard before taking a car or home loan.
The Budget has changed the rules for Indian citizens and persons of Indian origin visiting India. Instead of 182 days, the number of days has been reduced to 120. You will be treated as a resident of India for tax purposes if you stay in the country for more than 120 days in a financial year and 365 days in the past four years. One consequence of the change will be that people of Indian origin who reside outside India will be able to spend a smaller number of days in the country if they wish to keep their non-resident status intact, points out Sanjay Kumar Singh.
Why the case for investing in passive funds is becoming stronger.
Retirees must also try and purchase a senior citizens' policy, despite steep premiums.
Investing heavily in a top-performing fund during good times can cause long-term pain. Don't invest lump sum at market peaks.
Don't worry about volatile, erratic cash flows, freelancers. Vishal Dhawan explains how you can invest and achieve your financial goals despite irregular income.
With the introduction of 10 per cent tax both on long-term capital gains and on dividend, choose funds based on investment horizon and risk appetite, not on tax advantage, experts tell Sanjay Kumar Singh.
If your fund's expense ratio has risen dramatically after Sebi's recent changes, compare it with the category average before switching.
'If you retain your account with the EPFO for 10 years, you get a life-long pension.'
Are retirement homes attractive options for the elderly? Experts feel it is a good option to be able to live an independent and activity-filled life. But don't buy it as an investment
How do you pick a mutual fund scheme that suits your needs?
Education inflation abroad is high and the depreciation of the rupee can also set you back, says Vishal Dhawan
A new approach called life planning can help you prioritise the use of your time and money.
Banks and insurers are beginning to reward customers who show exemplary conduct with lower prices and penalise those who behave poorly by imposing higher costs.
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