Page 9 - Karthik Jerome/undefined

ELSS: Selecting tax saver fund based on recent performance is risky

Choose one whose rolling returns have surpassed the benchmark a high percentage of times over a long span

Financial goal to liquidity need: What to get from tax-saving investments

Ensure they are also in sync with your investment horizon and liquidity requirements

Investing in cryptos: Be mindful of high volatility, regulatory overhang

Potential investors should be mindful of regulatory overhang and high volatility

Bank FD rates soar: Right time for investors to secure peak returns

Small finance banks' FDs yield more than larger banks' offerings, but invest in them sparingly. Investors need to lock into current peak rates before they begin to decline

Hurdles and solutions: What self-employed should do to get term insurance

Sum insured should be equivalent to 10-15 times income and the cover should extend until financial liabilities have been settled

Equity funds' outlook for 2024: Book profits in smallcap, midcap funds

Money received should be allocated to largecap funds and fixed-income instruments

Delaying residential property purchase will only increase acquisition cost

Waiting for interest rates to soften is also not advisable, warn experts

Potential rate cuts by US Fed in 2024 to drive next rally in gold

Be prepared for volatility in first half; use corrections to build a 10-15 per cent allocation

Annual insurance review: Why you must boost term cover at key life stages

Your health policy's sum insured also needs periodic enhancements to keep pace with medical inflation

Be warned: Restarting stalled vehicle in a flooded area magnifies damage

In such areas, engine protection, zero depreciation, and roadside assistance riders are must-haves

Children's fund: Lock-in is useful if you tend to exit amid high volatility

Before investing, understand the fund's portfolio composition, and whether it suits your risk appetite and horizon

Why investing in IPOs is risky and how you can make a safe market bet

Investors must exercise greater due diligence compared to secondary market investing

'Claim denied': Mistakes in health insurance that can give you heartache

Being aware of policy's exclusions and waiting periods is equally vital

Sectoral, thematic funds: Investors should avoid extrapolating past returns

Such behaviour leads to chasing funds that are past peak performance

Avoid mis-selling at banks, research before buying financial product

Rely on a fee-based advisor instead of bank relationship manager for investment advice

EV insurance: Ensure all-round protection for battery with add-on cover

Return-to-invoice, zero depreciation for major components are must-haves

Buy minimum Rs 20 lakh indemnity cover for protection against cancer

Supplement this with a fixed-benefit plan to manage ancillary expenses

Amid market volatility, it may be time to prune small and midcap exposure

Investors who can't set up and rebalance a diversified portfolio could consider hybrid funds

Avoid withdrawing more from National Pension Scheme than you need

When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum

Start with paper trading in derivatives, test strategy with small amount

Once you begin trading regularly, do appropriate position sizing, set stop losses, and learn hedging strategies