Your Money

Keep allocation measured and aligned to your risk appetite, given the segment's higher risk

When building a portfolio, diversify by market cap, style, and geography to minimise chances of overlap

Price controls by the Indian regulator, USFDA actions, and concentration risk are key concerns

The deduction claimed must be in proportion to their ownership share and actual EMI contribution

Those prioritising higher returns and greater flexibility may prefer term cover with mutual fund investments

Begin making these investments now, based on informed choices, instead of waiting till the last moment when mistakes are more likely

Poor sector and stock selection calls can, however, lead to underperformance

Pause and verify the caller's identity independently before transferring funds

Balanced advantage funds offer equity participation with lower volatility through dynamic asset allocation, though they are not risk-free and returns can turn negative over the short term

PFRDA CHAIrman S Ramann saiD Access to Pension Products is essential for every Citizen as long-term financial security cannot be left to chance

Investing systematically can help investors benefit from volatility rather than be overwhelmed by it

Beware of comparisons with FDs, and demand that all promises be put down in writing

A shift in sector leadership could also favour these funds

EMI-based repayment steadily reduces the principal and lowers LTV, offering better protection against price volatility than the bullet option

Be warned that incomplete, outdated and inconsistent documents can delay loan approval and disbursal

After underperforming in 2025, small-cap funds may see a turnaround as valuations become more reasonable and earnings revive; existing investors should stay invested, while new ones enter gradually

These concentrated bets suit experienced investors who can assess sector prospects and invest at attractive valuations

After a subdued 2025, midcap funds could recover in 2026 if earnings revive and rates stay supportive. Experts advise a calibrated 10-30 per cent allocation with a long-term horizon

Experts say term insurance must be reviewed annually as income, liabilities and family responsibilities evolve, with life events often necessitating higher protection

Focus on risk-adjusted performance, and switch only if it is below par for a sustained period