Page 2 - Himali Patel

Use passive funds in portfolio for broad-based, low-cost, stable allocation

Avoid need to chop and change funds due to underperformance; supplement with active funds in satellite portion

Bank nomination rules amended to align with will, avoid disputes

For deposits, nominee shares should mirror the division in the will; for lockers, the order should match the will

MAAFs: Rebalance if allocation in portfolio has drifted significantly

Continue SIP if the fund has maintained its strategy and performance consistency, and continues to suit your goals

Access to EPF corpus made easier, but use the facility only in emergencies

EPF subscribers should continue to save separately for housing, and children's education and marriage

Buy gold ETF with low tracking error and expense ratio, high liquidity

Bulk of gold investment for investment purpose should be through ETFs; limit jewellery purchase to personal use

Bull run in silver: Avoid large lump-sum bets after massive rally

In particular, one-time investments in silver ETFs, which are trading at high premiums, must be avoided

Property deals: Mismatch in sale value, TDS, returns may invite scrutiny

Quoting false PAN can lead to a penalty of ₹10,000 per default; wilful concealment can even result in imprisonment

Hike in IPO financing limit: Maintain quality amid easier funding access

This short-term loan enhances the probability of allotment in oversubscribed issues, but also magnifies losses

NPS: You can choose 100% equity exposure based on risk appetite, timeline

Investors must educate themselves and become more financially savvy to optimise the benefits of greater choice

Loan against shares: Have emergency funds ready to handle margin calls

Borrow 20-30% below maximum eligibility to avoid frequent margin calls

Unclaimed deposits: Heirs must produce succession certificate or probate

For modest balances, banks may accept a legal heirship certificate with indemnity bond

Buying a car post-GST cut? Make sure you do foolproof research first

Compare offers from various dealers on on-road price; strike good deals on the loan and insurance as well

H-1B visa fee hike hits IT funds; investors urged to stay long-term

Fee hike could accelerate offshore delivery, improve competitiveness; AI adoption, re-skilling initiatives expected to provide medium-term growth opportunities

Direct equity inflows decline: Focus on key fundamentals, not panic

Replace underperformers with quality, well-researched stocks

Margin trading: Track trades, set stop-losses, focus on quality stocks

Be on the alert for margin calls, have liquidity for top-ups, especially in volatile markets

Switching health policy? Seniors must secure written assurance on benefits

On receiving the policy document, check fine print to ensure the commitment has been fulfilled

Silver outlook: Book profit and rebalance if allocation exceeds 5-7%

New investors should enter in a staggered manner with an over five-year horizon

Credit risk funds: Opt if net yield premium over safer funds is substantial

Investors with high risk-bearing capacity may allocate 5-10% of their fixed-income portfolio

GST exemption on life, health policies: Lock in lower term premiums now

Enhance sum insured on base health policy, buy add-on cover

Hold-to-maturity investors may choose G-Secs with matching horizon

Those who may need liquidity before end of tenor should avoid them