Personal Finance Print
Your Money: Types of mutual funds and the risks they carry
Always go for a diversified portfolio that comprises equity, debt and gold asset classes in order to minimise your risks
Equity investing: What’s your strategy in this volatile market?
Equity investors must book profits now, invest in dividend-paying stocks, tread with caution while investing in IPOs or NFOs and accumulate quality stocks on dips
YOUR QUERIES: LOANS: Planning to take a loan from app-based lender? Tread with caution
The threat to sensitive data should be kept in mind while going for such app-based loans. Look for large, known players in this market who have credibility and longer lending history.
Embedded Value: Review your life insurance needs every 10 or 15 years
Such policies provide the child enough funds to continue education even if he loses his parents.
Financial planning: When should you use your emergency funds?
Once your financial position is stable, try to increase the amount you set aside and bring back the emergency fund to the previous levels
Precious Metal: Now you can invest in silver ETFs
Silver ETF will be one more tool along with gold ETF through which investors can participate in the commodity markets
Of home loans, EMIs and property insurance
The monthly payment for a borrower is not just the EMI. Borrowers have to get their homes insured too
Fewer new entrants to EPFO, ESIC in September
While the ‘number of new subscribers’ (not necessarily new jobs) under EPFO fell to 8,94,732 in September from 9,67,869 in July, the number of ‘newly registered employees’ under ESIC in Septem
Your Money: What’s the ideal size of a term insurance plan?
The term insurance plan should provide comprehensive financial protection to your loved ones in case of your premature death
Bond markets: Invest in G-Secs with RBI Retail Direct Gilt
Rather than investing in government securities via insurance schemes or mutual funds, investors can directly invest in them through the newly launched scheme
Your queries: mutual funds: Put 70% of fixed income portfolio in high credit quality shorter-duration funds
Put 70% of fixed income portfolio in high credit quality shorter-duration funds
Tax Talk: More tax sops for expenses on education needed
Exemption can be claimed in respect of tuition fee of only two children of the individual and the payments must necessarily be made to a university, college, school or any other educational institutio
Stock selection: Are you falling for a pump-and-dump scam?
Pump-and-dump schemes usually target micro- and small-cap stocks or new asset classes such as cryptocurrencies which are relatively illiquid and thus easiest to manipulate
YOUR QUERIES: MUTUAL FUNDS: Go for gilt funds positioned around the medium-to-long term segment of the yield curve
Corporate bond spreads have narrowed significantly compared to their long-term averages; subsequent widening of spreads could present additional downside risk to investors. Hence, gilt funds also scor
YOUR MONEY: Simple steps to building an emergency corpus
Similarly, if you live in a natural disaster prone zone, or have a history of careless driving, or find constant job relocation a reality, you will need to estimate the approximate expenses for rebuil
FIXED INCOME: Retail Direct Gilt Account: Should you go for it?
If you prefer do-it-yourself, have the wherewithal and bandwidth to execute and want to save on mutual fund expense charges, you can go for RDG
One in five withdrew funds from EPF accounts since Covid onset
According to the EPFO dashboard, there are around 6.69 crore members who paid their EPF contributions during the last one year.
Your Money: Why option premiums can never be negative
Difference between option premium and intrinsic value is the speculative value of the option
Mutual funds: ELSS lose shine; spotlight on sectoral funds
Investors move away from ELSS due to the poor performance of most of the funds as compared to large and mid-cap funds
EPFO board to meet today, investment proposals on agenda
The CBT will also be apprised of the status of major defaulted and downgraded securities.
Insurance: How to ensure your claim isn’t rejected
Your health or life insurance document enumerates the terms and conditions of the policy contract. Strictly adhere to these to avoid any claim rejection
Your Money: Why debt collection needs to be smart & easy
When customers are empowered by digital experiences specific to their needs, the debt collection process is seamless and pain-free
YOUR QUERIES: MUTUAL FUNDS: Invest in staggered manner based on asset allocation approach
For deploying the additional corpus, you should evaluate your portfolio from an asset-allocation point of view and build exposure in line with your recom-mended asset allocation.
New age investing: Why cryptocurrency is the new investment fad?
Even though buying cryptocurrencies seems like a lucrative alternative investment, don’t forget they are extremely risky as they are not backed by any underlying asset
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