Page 25 - Sanjay Kumar

On second thoughts

Book review of Think again: The Power of Knowing What you Don't Know

Move quickly and lock into current small-saving rates wherever you can

However, do so only if your asset allocation requires you to invest more on the debt side, and you are comfortable with the long lock-in

To generate alpha, investors should opt for factor-based funds: Experts

As they have a short history, take only a small exposure to these funds initially in your satellite portfolio

Returns from equities likely to be lower in FY22, say market experts

Advise sticking to shorter duration debt funds and using correction for accumulating gold

Govt cuts interest rates on small savings schemes effective from April 1

The rate of interest on PPF has declined from 7.1 per cent earlier to 6.4 per cent now

Enter constant maturity gilt ETFs with 5-year plan, say analysts

Conservative investors looking to lock in returns should opt for target maturity ETFs/index funds

Rejig wage structure to benefit from EPF rule change, say analysts

If employer contribution is low, get salary restructured to enjoy higher tax-free interest

Health insurance claim rejection: Insurers may turn more cautious

Onus may now shift to them to justify rejection after Irdai's circular

Fractional ownership is for deep-pocketed investors, say analysts

Most retail investors will be better off opting for a REIT

Rich but not ultra? Even you can now invest in grade A commercial property

Fractional ownership platforms give you access to this coveted asset class if you have Rs 25 lakh to spare

Secured loans may help you tackle tighter credit norms, say experts

Presence of collateral allows lenders to relax their criteria while sanctioning of these loans

Multiple benefits of deferred annuities: How you can choose the right one

Savvy investors can expect to earn better returns by investing in alternatives

Comparing insurance products difficult? Opt for a standard policy

Evolved buyers with specific needs should go for comprehensive personal accident cover

Infra funds' performance will hinge on revival in private capex: Experts

After the March 2020 market crash, all the major economies, including India, launched large monetary and fiscal stimulus packages to counter the slowdown

Compare prices across term insurance plans to get best deal: Experts

Increase payment tenure, go for monthly premium to counter hike in term rates

How change spreads, or doesn't

Book review of Change: How to make big things happen

Avoid outsized positions and high leverage to soften blow of trading outage

Losses caused by technical glitches can get magnified due to leverage, hence retail investors who do day trading need to be cautious

Rising demand, disrupted supply: Platinum breakout rally rides on shortage

Unlike yellow metal, platinum tends to have a positive correlation with equities

Policies covering pre-existing diseases from day 1 reduce anxiety

Watch out for limited sum insured in such covers

If you want higher returns, and are prepared for volatility, opt for NPS

But be ready for lock-in till the age of 60, volatility, mandatory annuitisation