Page 29 - Sanjay Kumar

Don't follow the herd: Make buy-sell decisions based on asset allocation

Those who have goals coming up in the near term should book profits in equity MFs

Investors need to be wary of overpaying as stock returns are mediocre

At a time when the index appears expensive, a stock-specific approach will serve you well

Why smart-beta funds should be a part of your satellite portfolio

These products, however, carry higher risk than a pure passive fund

Pay higher percentage of vehicle cost upfront to get loan in pandemic

A low EMI to take-home income ratio will also improve your chances of getting a loan

Persuading without coercion

Instead of pressing harder on the accelerator, Mr Berger advises removing the parking brake and wheel chocks

New to investing? Bet only a small part of your surplus directly in stocks

The bulk of your money should be invested via mutual funds and low-cost passive funds

Protection stocks offer opportunity; opt for insurance and gold finance cos

Quality stocks in banking and financial services sector are still available at attractive valuations

Investment in sovereign-backed bonds: Be prepared for rate changes

You can invest as much as you like in these bonds, but they are subject to rate changes

Planning to buy term insurance? Purchase before premium rises again

Ignoring it isn't an option for those who have liabilities or dependants

Interest rates to processing fee, RBI brings relief for loan app borrowers

The new rule book should bring down interest rates and improve recovery methods

Planning to invest? Don't rely only on gold-silver ratio, say analysts

Take into account the fundamental factors driving demand before deciding to shift from gold to silver

Sudden spike in bond yield amid coronavirus outbreak signals trouble

Also, watch out for a company raising money at a very high rate of interest

Opt for monthly payment of term premiums as insurers get set to hike rates

Some insurers have already started increasing premiums, and others are expected to do so in the next six months

Covid-19 outbreak: Update insurance, tax and KYCs amid lockdown 4.0

Utilise the relaxed phase to complete unfinished tasks on personal finance agenda

Need emergency money? Easy access makes personal loans attractive

Here is how the personal loan rates offered by various banks stack up

Contactless cards may come in handy amid Covid-19, but there is risk

However, one has to be cautious, as electronic pickpocketing is catching up

Tips to get loans and tide over a cash crisis in these difficult times

You are more likely to get one from a bank with which you already have a relationship

Don't chase higher yields, avoid risk and stick to safer categories

Stick to solid banks and shun both credit and duration risk in debt funds

How foreign assets in your portfolio can protect it from volatility

The Indian economy and markets, for instance, tend to be hit hard by high oil prices

Existing investors must book partial profits in gold to cut portfolio risks

New ones should build their allocation gradually upon corrections