Page 39 - Sanjay Kumar Singh

HDFC Top 200 to Reliance Growth, here is a list of the top wealth creating funds

The long-term track record of some leading ones confirms that high-quality equity funds can generate massive wealth for patient investors

Beware of fake currency notes

Economists say that there is a need for the RBI to launch a massive educational campaign on how to identify counterfeit notes

Gold bonds will score over ETFs

Invest in these for the long term; a Fed rate hike and an import duty cut by the government could trigger a correction in the next few months

Yellow metal is off its high, should you invest in gold bonds right now?

In the short term, a possible Fed rate hike and an import duty cut by the government could trigger a correction

From cloning to ATM passwords, learn how to save yourself from debit card frauds

With cyber criminals becoming savvier by the day, learning how to safeguard yourself is imperative

Get rewarded for good behaviour

Banks and insurers are beginning to reward customers who show exemplary conduct with lower prices and penalise those who behave poorly by imposing higher costs

Sebi blow for MF distribution biz

Regulator's consultation paper suggests segregation of advisory function from distribution

Weigh pros and cons of benefit-based products

While premium of these policies is constant, you could be left without a cover once their term expires

Smart moves in a falling interest rate regime

Shift to cheaper loans and look at dynamic funds

Balanced funds aren't risk-free

Exposure to equities, especially to mid- and small-cap stocks, and also from holding higher-duration bonds can sometimes turn the tables on the investor

ESOPs create wealth but can be tricky

To avoid getting taxed twice, hold on to the stocks for at least a year from the date you receive these

Ensure safety of policies with e-account

While your insurer will help you open an e-insurance account at the time of buying a policy, existing policyholders must do so themselves

Focus on product quality, not on offers

Expect lucrative deals from a variety of companies this festival season, but read the fine print carefully before buying anything

Get money's worth from your distributor

Now that you can view the annual commission you pay to the distributor, make sure they truly earn the fee

Buy property in resale market to eliminate risk of delay

Read the investor-developer agreement carefully before signing the cheque

Do you have enough health cover?

You need to revise the sum insured periodically to keep pace with medical inflation

Stay financially fit after 60

After retirement, the pressure on finances increases in the absence of regular income. Here are a few suggestions to ensure a smooth post-retirement life

Start paying for NPS advice

Since there are many and complicated choices, retail investors stand to benefit

Should you defer real estate purchase until regulator is in place?

Those looking to take advantage of current market conditions should buy only after conducting due-diligence

Cut valuation risk in your portfolio

With stock prices at elevated levels, investors need to promptly rebalance their portfolios