Your Money

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Be warned that incomplete, outdated and inconsistent documents can delay loan approval and disbursal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

Do not chase past returns, as the interest-rate environment that produced them no longer exists and gains from falling rates are largely behind investors

A 13-14% medical inflation rate makes upward revision of sum insured essential

Weaker-than-expected earnings due to external shocks or unforeseen domestic developments could affect performance

Systematic Unit Redemption offers market-linked returns and deferred tax payment, but does not guarantee pension for lifetime

US-focused mutual funds surged in 2025 on an AI-led rally. In 2026, expect consolidation and moderate returns; rebalance mega-cap tech exposure and invest in phases

While existing investors should do partial rebalancing, new investors should enter in a staggered manner

A high credit score is critical as it enables the borrower to secure the new loan at an attractive rate

After a bumper run in 2025, silver's long-term case remains intact, but experts warn investors to brace for volatility and moderate returns as global conditions evolve

If you file an updated return later, you will have to pay interest and additional tax, and will not be able to claim refunds

Temporary underperformance could be due to the fund manager's investment style not being favoured by the market currently; wait out such phases

Small deviations may be corrected by directing more money into underperforming assets like debt and equities

Factoring in only domestic inflation could lead to a shortfall

Choose them for their strong wealth creation potential and short lock-in period, especially if you remain on the old tax regime, but don't judge them on past-year returns alone