Sanjay Kumar

Avoid exiting Balanced Advantage Funds based on short-term underperformance

Balanced Advantage Funds have had a weak year, but advisors warn against knee-jerk exits, saying investors should stay invested unless a fund persistently lags peers and benchmarks

The Art of Spending Money: Housel warns against spending for status

People, says Mr Housel, rarely make grave spending mistakes when trying to meet basic needs. Misjudgments arise once they graduate to the realm of discretionary spending

World Savings Day: Save and invest before you spend, automate the process

Do financial planning to determine whether you are investing enough to meet your goals

Investors should book partial profits if gold allocation is over 10%

Instead of falling prey to FOMO and diving in headlong, new investors should enter gradually and with a long horizon

Mango Millionaires: The common man's guide to financial independence

Why for beginners financial independence is less about picking the right stocks and more about avoiding mistakes early on

Money mkt funds can yield better returns than liquid funds in 6-12 months

Before investing, check the proportion of A1+ holdings and their composition

Crypto security: Keep assets in self-custody, use insured exchange

Those holding crypto keys in a cold wallet must store seed phrases offline in a secure location

H.I.T. Investing: A new book the balance between purpose and profit

It is hard to fathom how any organisation could build a sustainable business by offering high-quality products at affordable prices, but many have done just that. H.I.T. Investing tells their stories

How tax changes have transformed debt MF landscape, altered investor choice

Fund houses have launched debt-arbitrage FoFs to attract investors in higher tax brackets

Avoiding fraudulent loan apps: RBI listing, ratings & reviews key to safety

Loans from registered NBFCs or banks come with a key fact statement (KFS), a sanction letter, and a loan agreement detailing all costs

How to ensure smooth payout of life insurance claims after a tragedy

Learn who gets the insurance proceeds if the policyholder and the nominee both pass away in an accident

Evaluate OPD plans on sum insured, coverage, sub-limit, and network

Estimate your annual OPD expenses to decide suitable sum insured

Avoid chasing yield blindly in scenario of falling interest rates

Give equal weight to safety so that you avoid loss of capital in your fixed-income portfolio

Cut home loan costs: Retain EMI, shorten tenure, consider prepaying

Borrowers can maximise savings when interest rates fall by retaining their EMI and reducing tenure, while also benefiting from repo-linked loans and selective prepayments

Shield your vehicle from monsoon damage with key insurance add-ons

With rains already flooding major cities, insurers advise critical add-ons like engine and battery protection to avoid costly vehicle repairs and ease claim settlement

Stay in US funds if horizon exceeds seven years, exposure less than 20%

If you are worried about a US-only exposure following the downgrade of US government debt, go for a globally diversified fund

Do not apply for health cover without revealing existing hypertension

Try bringing condition under control to improve chances of getting coverage

Defence funds: Enter via SIP with 10-year view to manage valuation risk

Jefferies estimates India's defence sector opportunity at US$100-120 billion over the next five-six years

Moving abroad? Changes you must make in your bank, demat, and MF accounts

NRIs must also comply with the tax filing norms that apply to them once their residency status changes

Expense ratio: Shun active funds with high costs, inconsistent performance

A higher expense means a larger portion of the return goes to the asset management company