Page 5 - Karthik Jerome

Buy more, hold, or sell? Let fundamentals, valuations guide decisions

High valuations are the primary reason behind the correction in mid- and small-cap stocks

Comfort in retirement: How to invest in a house in senior living facility

Decision to purchase such a property should be taken by researching costs, infrastructure, service standards

Funding medical emergencies: Use credit cards and loans wisely, build fund

In India, out-of-pocket medical expenses are high. Many patients don't have a medical cover, while others have an inadequate amount

Bitcoin rally: Book partial profits, full exit unnecessary unless needed

Institutional interest in cryptocurrencies is up, as is evident from the increased volumes in Bitcoin and Ethereum exchange-traded funds (ETFs)

Child insurance: Waiver of premium can help secure education goal

These plans generally mature when the child reaches 18 to 25 years. Thus, their payouts are aligned to milestones like higher education and marriage

Non-disclosure of foreign property invites Rs 10 lakh penalty per year

Rental income from a foreign property is taxed under the head "Income from House Property". This income must be declared in the Foreign Source Income schedule of the ITR

Keep health cover comprehensive and contemporary by adding riders

Some base policies have restrictions, such as co-payment or room rent sub-limit. A rider can overcome these restrictions

After recent run-up, enter US-focused funds through SIP for 7+ years

While last year's earnings were concentrated among the seven major tech stocks, non-tech stocks within the S&P 500 have witnessed improved performance this year

Unnerved by volatility? Trim mid, small and sector fund exposure

Foreign institutional investor outflows from India in October exceeded Rs 1 lakh crore, a level not seen even during Covid.

Compare festive housing offers and resale rates to ensure authenticity

Larger reputed developers do not see much of a need to sweeten the deal since demand remains reasonably strong for them

How gig workers can start retirement saving early with equity funds, NPS

They should not overestimate their ability to extend their work life to make up for lower savings

Do you fear low credit score? Keep away from one-time loan settlement

If someone is nearing default, they must act quickly to avoid it, as recovery from default takes time

Limit small and medium Reit exposure at 5% till they develop track record

SM REITs are for investors looking to diversify

Corporate bond funds: High credit quality, moderate duration risk

According to the Securities and Exchange Board of India (Sebi), corporate bond funds must allocate at least 80 per cent to corporate bonds rated AA-plus or higher

Urban India's retirement index rises to 49; women lead with 50: Max Life

The retirement index comprises three indices with the following weights: financial index (31 per cent), health index (61 per cent), and emotional index (8 per cent)

Travel insurance: Get pre-existing ailments covered by paying extra premium

Non-medical coverage includes trip cancellations, curtailments, flight delays, missed connections, and loss of checked-in baggage, passports, and other important documents

Chinese market surge: Experts urge cautious entry amid uncertain recovery

Key measures include reducing baseline interest rates by 20 basis points (bps), mortgage rates by 50 bps, and the reserve ratio by 50 bps

As housing prices surge in top cities, there are ways to strike a good deal

Expensive property may force you to make some compromises but make sure you don't sacrifice the essentials

Rebalance portfolio by directing SIPs towards underperforming assets

New investors who have picked funds based solely on past performance-primarily mid- and small-cap funds that have outperformed in recent times-should diversify their portfolios

Smaller size, fewer disclosures, light scrutiny make SME IPOs risky bets

Retail investors' listing day gains could vanish if market sentiment turns, causing losses