Page 31 - Sanjay Kumar

The culture challenge

In it the author dissects the techniques leaders-both modern-day and historical-have employed to achieve this goal

Fix the holes in your investments and insurance plans ahead of the new year

Make changes where required so that your investment and insurance portfolio are equipped to meet the rigours that 2020 may have to offer

'I am fit and fine' attitude may prove costly; buy health insurance early

Sum insured in health policies should be raised at key life stages and then every 3 years

Should you choose lower EMI or lower interest rate while taking home loan?

Besides comparing interest rates offered by different players, also compare the processing fee, as this will make a difference to the total cost of your loan

Returns from US funds may be muted amid US-China trade tensions

After rallying for 11 years, valuations seem to be on the higher side; patience is key for new investors

Reduction in EPF contribution could pose as a risk in the long run

Employees need to save at least 20% of their gross salary to build a reasonable retirement corpus. The later you start, the more you need to save

How Sebi's new rules have changed the risk-return profile of PMS schemes

Fewer investors mean you will get more time with the portfolio manager and will be able to understand his investment strategy better; but there are downsides too

Karvy crisis: What clients should do with holdings in their demat accounts

If demat holdings are intact, then Karvy's clients have the option to move to another broker. If not, they should complain.

Pick the right stock, bet on focused funds if you have a high-risk appetite

The primary risk in these funds is that if the fund manager gets a few stock picks wrong, the fund's performance could take a significant hit

Still paying high interest on loans? Compare, choose best offer, switch!

Bargain with your current home loan lender first before deciding to shift to a new player

How to use your VRS money to generate passive income once you've retired

Younger people who have many working years left may spend a part of the retrenchment compensation on re-skilling themselves

Expensive child healthcare? Family floater health plan can be your saviour

Some insurers may allow adding child to family floater health plan any time, otherwise do it at the time of renewal

Passive funds make good bets as large-cap schemes strain to beat the index

New launches within the passive-fund domain have made it possible to build a complete portfolio out of such products

Why debit, credit cardholders should remain beware of Joker's Stash

The darknet or darkweb is parallel to the internet but provides users with anonymity, which is often exploited for criminal activities

Don't go overboard taking loans just because the lender is generous

While NBFCs are increasingly willing to lend to below-prime borrowers, the latter should remember that failure to repay can have dire consequences

Buy gold via regulated products, ensure it gets allotted in your name

So long as a jeweller uses customers' money to meet his working capital needs, there is usually no problem

Want to increase savings? Don't wait until month-end to invest what's left

Remove a portion of earnings at the start of the month from the salary account to an investment account to reduce chances of misspending

Markets test investors' patience, so play the waiting game for rewards

Equities perform in short bursts. Make sure you are not out of the market on those crucial days

The upward leg in gold's cycle tends to last for 3-4 years, say analysts

Gold, currently trading at Rs 38,177 per 10 gram, has given investors a return of 20.3 per cent over the past year

Here's why investors should not give up prematurely on their SIPs

Investors may already have borne a large part of the pain in equities