Sanjay Kumar

Appoint a guardian for minor nominees; update nominations after major life events

Multi-asset FoFs offer diversification in one fund, but investors must weigh costs, tax rules, and active vs passive strategies before investing

Digital platforms make FD investing easier, but investors must weigh risks, diversification, and post-tax returns instead of chasing high interest rates

Flexicap funds see record inflows, but investors should focus on suitability, risk, and fund manager consistency rather than chasing short-term returns

New investors may make a staggered entry with a horizon that matches these funds' portfolio maturity

Make full disclosure of existing conditions, lifestyle habits, and past treatments

Holding gold and global assets can help Indian investors hedge against rupee depreciation, manage inflation risks, and meet dollar-denominated goals such as overseas education and travel

Diversify internationally, continue SIPs in equity funds, and move towards medium and shorter-duration debt funds

The entire retirement corpus will not be needed on day one, so it should be split into growth and income-generation buckets to manage inflation and longevity risks

From the first great speculative episode in India to the rise of electronic trading, the book reconstructs the history of Indian stock market and evolution from informal beginnings to a modern system

Stay invested only if you have strong conviction, understand the sector, and can time your entry and exit

Last-minute choices made without considering needs could exact a high financial price

Arbitrage funds aim to capture the price difference between the spot price of a stock or index and its futures price when futures trade at a premium

Sebi's new rule allows AMCs to offer both value and contra funds with limited portfolio overlap. Here's how the two strategies differ and which investors they suit

Wait for greater clarity on how these funds will be taxed at maturity

If you are underweight, continue with systematic purchases

New investors should consider them for risk reduction, stability and disciplined allocation, not return-chasing

In the tax return forms, more data will come pre-filled, but it should be verified against your own records to avoid mismatches

IT funds have declined sharply amid AI-led disruption fears. Experts advise investors to avoid panic exits or aggressive dip-buying and adopt a staggered approach

Instead of chasing high prices, new investors must enter through systematic investment plans with a horizon of five years