Page 13 - Sanjay Kumar Singh/workspace/business Standard Web/video

Need quick credit for short tenure? Consider loan against fixed deposit

But if you require additional liquidity for long term, break the FD and borrow against another asset

Par for the course: Lock in returns for long term with non-par plans

Avoid these plans if you require liquidity in the short run

A novice from the court of St James

"Courting India" details the early stage of the British-India encounter, with a vivid account of the mission from the court of James I, offering insights into the complexities of trade in that era

Enter longer-duration lease to control hike in home rental rates

Go for house purchase if EMI doesn't exceed 40 per cent of net salary; ensure financial resilience with 12 instalments in emergency fund

Equity savings funds: Safe but not a perfect substitute for debt funds

While they could offer higher returns over three-five years, they would also be more volatile

There's action in passive funds, build your core equity portfolio with them

Some active fund managers will beat the index each year; don't exit passive holdings out of envy

Begin tax planning at start of financial year to avoid cash crunch later

Consider both income level and deductions you can avail of when choosing between old and new tax regime

RBI rate pause: Lock into best available FD rates, and ladder your bets

Debt MFs investing in quality papers and having average maturity of three-five years are good bets

Gold, debt funds, insurance: What to do with your investments in FY24

With the spreads on home loans coming down, those who have a good credit score should consider refinancing

Allocate to US-focused funds despite shifting tax landscape: Experts

Capitalise on the geographical diversification and currency hedge they offer

Home truths: High loan rates and job losses threaten price growth

But if rate cuts begin and layoffs are limited, the housing market could repeat FY23 showing next fiscal

Persist with your SIPs to accumulate fund units at reduced costs

Pain in equities is expected to continue in the short-term, but investors with longer horizon must stay the course

Why debt funds may still score over bank FDs and bonds despite tax parity

Experts feel debt MFs will be more relevant in a falling interest scenario and work well for those who aren't sure about their investment horizon

Keep your money safe: Stick to systemically important banks for safety

Be wary of co-operative banks which have historically been most vulnerable

As courts get strict on contract reading, customers must be wary

Consumer courts offer a simple and cost-effective avenue for addressing these issues

To cover mental illness, buy health insurance policy offering OPD coverage

Industry regulator nudging companies to underwrite policies that include people with mental illnesses

Abating pricing pressure in US market good news for pharma funds

While the risk from USFDA strictures remains, aggressive investors may take limited bets with 5-7-year horizon

How wholelife plans can help transfer tax-free wealth to next generation

The policies provide cover till age 90-100 years; if payout comes as death benefit, it will be tax-free in the hands of nominees

Personal finance 101 from an industry veteran

The Bee, the Beetle and the Money Bug is a welcome addition to the rather sparse list of books that attempt to equip readers with the fundamentals of financial planning

Only investors with a long horizon should enter mid- and small-cap segment

After the outperformance of the past three years, they should be prepared for modest returns in the near term