Page 11 - Sanjay Kumar

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

Prefer deductible to co-pay in senior citizen health insurance cover

Last week Tata AIG General Insurance launched a plan for this group, adding to the considerable number of plans already available

Retired comfortably: Old age homes that are worth the investment

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

Choosing NPS fund manager? Seek consistency across the asset classes

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

Small-cap funds: Existing investors should rebalance, continue SIPs

New investors planning large lump-sum investments should stagger them over 6-12 months

Reduce uncertainties of home purchase with a competent, professional broker

Professional certification and experience can boost the odds of finding the right individual

Capitalise on the industry insight by investing in its sector fund

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

Equity market dip, Federal Reserve signaling peak rate to boost gold

High oil prices would be detrimental; use any correction to build 5-15% allocation

Peak market strategy: Don't exit equities, keep investing new money

The key is to remain invested; rebalance your portfolio if required as market touches new highs

Buy home insurance policy that compensates on reinstatement basis

Revise your sum insured periodically so that it keeps pace with inflation

Factor in rupee depreciation when planning for child's education goal

Defer foreign travel plan or opt for a destination where the currency impact is less pronounced

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

The DIY handbook for mutual fund investing

Personal finance columnist Monika Halan's book steers clear of needless complexity and provides knowledge that is useful

Higher EMI or longer tenure? Go by your financial wherewithal, say experts

Currently, a floating-rate loan appears a better bet than a fixed-rate peer

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

Select companies that offer easier terms for repayment of the loan

CBDT issues detailed guidelines on taxation of traditional policies

The Finance Act, 2023, had amended Clause (10D) of Section 10 of the Income-Tax Act, 1961

Switch if you can find 50 bps cheaper home loan; lock into current FD rates

Some lenders have lowered their rates over the past couple of months by reducing their spreads

Longer-duration debt funds: Tactical bets are for high risk takers

Long-term investors who want near-certain returns may opt for a target maturity fund that invest in gilts

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