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Want regular income sans credit risk? Invest after exhausting SCSS limit

Younger investors in wealth accumulation stage and those unwilling to lock in for seven years may steer clear

Financial stability, ethics: Key factors to consider in choosing a broker

Traders must look for a platform that is robust and cost effective

Invest in multiple single-factor funds with a 7 to 10-year horizon

Timing entry and exit in a single-factor fund is impossible

Investors need to exercise prudence after PSU funds' robust surge

Only high-risk investors should take limited exposure to these funds, provided they have a long horizon

Caution investors: Excess supply of properties could erode returns

The COVID pandemic sparked the desire among people to upgrade their homes both in terms of size and facilities

Retired comfortably: Old age homes that are worth the investment

Such properties are designed for the elderly and give them company and security

Five-year lock-in facilitates long-term orientation in retirement funds

Investors unlikely to withdraw during market downturns or for other needs may do without them

Choosing NPS fund manager? Seek consistency across the asset classes

Switch fund manager only if long-term performance lags the category average

Suffering from cardiac ailment? Apply for a customised insurance plan

These plans have limited sum insured, come with a waiting period, and require co-payment

Capitalise on the industry insight by investing in its sector fund

Choosing such a fund based on recent returns can, however, jeopardise portfolio performance

Travel policy: Tailor sum insured to destination country's healthcare costs

Don't accept any cover that comes with your travel package; understand coverage, exclusions and sub-limits, then buy

Rearview mirror investing can be perilous in floating-rate funds

Investors should opt for them when rates are expected to climb, not now when they are largely over

Multi-asset allocation fund: Invest for a diversified, low-risk portfolio

But steer clear of them if you desire complete control over asset allocation

As rents rise, here is what you can ask from your landlord for protection

Sign a long-term agreement that should have a reasonable escalation built in and a minimum guaranteed tenure

Limited tailored health insurance policy options for cancer survivors

Regular plans, if offered, may permanently exclude cancer from coverage

Avoid drastic shift away from large-cap, into mid-, small-cap funds

Stick to strategic allocation; keep tactical deviations within a narrow range

For car loan, check lenders on their total borrowing cost and service

Select companies that offer easier terms for repayment of the loan

Use price dips for 10% allocation as gold continues to lose lustre

Use price dips to build a 10% allocation to gold

Student travel insurance cover: Buy before setting off to study abroad

But ensure that your policy aligns with your foreign university's requirements

Party over? If overweight, pare exposure to US technology companies

Allocation to it should not exceed 25% of your total exposure to country's market