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Don't bet on value funds in a rising market

In a growth market, these funds should not form more than 10-15% of your portfolio. Invest with a horizon of at least 5 years

Legal heirs need to file returns for deceased

They do not have to pay tax from their own pocket and their liability is limited to the assets they inherit

Everything you need to know about Mutual Funds

The MF scheme universe is large, with over 400 equity schemes and many more debt schemes to choose from

Dollar-denominated bonds are attractive

Indian HNIs, however, can use it as a hedge against depreciating rupee

What happens if you delay filing tax returns?

Those who haven't filed returns for either assessment year 2014-15 or 2013-14 can't carry forward their capital losses to the next year

Despite volatility, don't stop SIPs in MF child plans

Returns from these are superior to those offered by insurance firms

Sliding down the credit curve can be risky

However, those with a high risk appetite and 3-year horizon can invest about 30% in funds taking a credit call

Avoid NFOs unless the idea is unique

Once invested, give the fund at least three quarters to perform

Tax-free bonds attractive despite lower rates

For those in the top bracket, post-tax yield is higher than other comparable investment options. However, investors in lower tax brackets might be better off putting their money elsewhere

Book profits in China-focused funds

Unless over-exposed, those who have invested for diversification can stay put, and new investors might invest through SIPs

When disclosure is easier said than done

Those using the 90-day compliance window under the new law on black money to declare hitherto undisclosed foreign assets also need to ensure their assets are valued correctly

Buy a retirement home five years in advance

These homes offer services that help lead a smooth retired life. They can be bought, leased or taken on a pure rental basis

Dividend yield stocks: A cushion during bouts of volatility

Those with 15-20 years left for retirement can invest 10-15% of their equity corpus in these stocks

Value does not mean 'cheap'

Even large-cap stocks which have corrected significantly might hold value. However, there could be several value traps in certain sectors

Focused funds can work in a rising market

Investors who can stomach higher risk can invest up to 25% in these funds

New norms make exit flexible for NPS investors

Individuals can now contribute till the age of 70, enabling them to take additional tax benefit

Don't migrate just yet

It will be prudent to wait for a few more weeks before shifting or taking a new loan

For mutual fund investors, exchanges offer better facilities

But investors should look at other online options before taking this route

PMS often better than direct equity investment

However, a mutual fund usually scores over a portfolio management service in transparency, cost and taxation

RBI's stance might limit gains in duration funds

Those with a horizon of less than 18-24 months could consider shifting to short-term bond funds