Page 14 - Sanjay Kumar

Realty check for luxury housing after crucial change in tax structure

Deduction can be availed of under Section 54 and Section 54F in the same assessment year, thereby enhancing total limit, say tax experts

Prepay at least 5% of your home loan each year to tackle rising rates

With rates cuts unlikely anytime soon, debt mutual fund investors should avoid duration calls

Rely on term plan-MF combo instead of going for traditional plans

Don't fall prey to the hard-selling of traditional plans that is likely to end after March 31

For insurance cover against cancer, maintain high sum for hospitalisation

February 4 is World Cancer Day: here is advice on how meet ancillary expenses in treating disease

Get a lower rental rate with higher deposit, longer-term lease agreement

Avoid paying more than 15-20 per cent of post-tax salary as house rent

Silver's performance may continue if global economy avoids recession

Beware of its volatile nature and don't invest more than 5% of your investment portfolio in it

Quitting can be good for you

Human beings find it hard to quit, but life is too short to be wasted on endeavours not worth sticking to. Annie Duke's book illustrates the virtue of knowing when to give up

US interest rate-cut expectations have yellow metal shining bright

Mild recession, low inflationary pressures in the US and a stronger rupee would act as headwinds

Buy from rightful owner, don't trip up on titles when investing in a plot

With prices on the upswing, a judiciously chosen plot can yield higher return than an apartment

You can't pick next yr's winner asset class, so build diversified portfolio

Give higher weight in your core portfolio to asset classes that offer greater stability

NPS guaranteed return product to have floating rates, reset every year

Guarantee benchmarked to the rate of return on ten-year government security

Go ahead with house purchase in 2023 despite high loan rates

By the time interest rates moderate, prices could move higher

Hold on to equity funds in 2023 despite turbulence, say experts

If you exit the market now, you could be left on the sidelines when a sustained recovery begins

The reason you must hold on to equity funds despite turbulence in 2023

If investors exit the market now, they could be left on the sidelines when a sustained recovery begins

Sum total of all your EMIs should not exceed 40% of your net income

Make sure buying a house will not lead to compromises on other crucial financial goals

Don't quit underperformer if fund manager remains true to mandate

Your portfolio shouldn't contain stocks picked at exorbitant valuations or those that have corporate governance issues

Buy more insurance cover if your liabilities have increased in the year

Hike health insurance coverage as well to keep pace with medical inflation

Prepay home loan to combat interest rate hike impact, say experts

If your pocket allows, opt for higher EMI, not a longer tenure

Time still not ripe for investors to bet on long-duration debt funds

Lock into one-two year FDs and continue laddering, say experts

If investment review shows decline in international allocation, restore it

Lock into attractive yields being offered by target maturity funds of three-five-year maturity