Page 3 - Himali Patel

Expensively priced IPOs: Valuations must be justified by growth visibility

If the company has strong fundamentals but is valued expensively, invest for long term or reconsider after six months

UPS to NPS: Opt for NPS if service tenure is long and volatility manageable

Those who have a low risk appetite, prefer predictability, or are approaching retirement should stick to UPS

Investing in microcaps: Limit exposure to 5-10%, enter with 5-7-yr horizon

High volatility, low liquidity, and corporate governance are risks investors need to be prepared for

Surat stockbroking fraud: Avoid unregistered middlemen posing as brokers

Dealing with such entities is highly risky, as they can block trading and abscond with deposits

NRIs face residency test upon India return, must stick to 182-day rule

Given the lack of legal clarity in India around status, assuming they are residents immediately after return could invite penalties and prosecution

REITs promise stable income, but investors must brace for volatility

REITs invest mostly in offices and malls and are regulated by the Securities and Exchange Board of India (Sebi)

Gold scales new peak; existing investors should book partial profits

New ones should stagger purchases to avoid timing risk

Home insurance claims: Begin repairs only after surveyor's inspection

Non-disclosure of property extensions, late intimation, and incomplete paperwork may reduce or void claims

With the festival season near, essential tips for navigating online sales

To avoid fake discounts, no-cost EMIs, and buy now-pay later offers, go for pre-planned purchases only, and stick to the budget decided upon beforehand

Treasury bills: Use SIP to smooth rate volatility, invest steadily

Investors with regular income, short-term goals, and a strong need for capital preservation may go for T-Bills

Active vs passive funds: Choose passive for core, active for satellite

Active funds can outperform, but also carry the risk of underperformance

Paying only minimum due on your credit card? You could be in a debt trap

A credit card debt trap occurs when you are paying only the minimum due, or Using one card to pay off another. To avoid this, spend no more than 30 per cent of the card limit each month

Algo trading by retail investors: Trust back-tested data, not hype

Invest a small amount, observe performance, then scale up gradually

Balancing coverage and affordability in senior citizens' health insurance

Combining base policy with super-top-up can also help make premiums manageable

Sending money abroad: Choose platform that discloses exchange rates, fees

For the same amount remitted, compare how much the recipient will get across different service providers

Use a revised or updated income tax return to correct bogus deductions

Once scrutiny, surveys, or raids begin, correction options are no longer available

Precious metal ETFs: Avoid overexposure after gold, silver price surge

Limit allocation to 10 per cent of portfolio and enter with 7-10-year horizon

Flexicap funds: Freedom to shift across market caps helps mitigate risks

Flexicap funds suit investors who prefer to delegate market-cap allocation decisions to a professional

Motor insurance claims: Report theft quickly to aid investigation, recovery

Excessive delay in reporting can trigger suspicions of fraud or evidence tampering, experts say. Timely notification to both the police and the insurer is critical for smooth recovery

Arbitrage funds: Low-risk, tax-efficient option, enter with 6-month horizon

Arbitrage funds have become increasingly popular due to their low-risk nature and tax efficiency. With a 6-month investment horizon, these funds offer strong post-tax returns