Page 34 - Sanjay Kumar

Looking for a stockbroker? Don't go just by price, look for value

With more players moving towards lower commissions, choose a broker based on the quality of the platform and user feedback

Home loans: You can get the best deals even in the MCLR-based regime

Instead of getting disheartened by the central bank's decision to defer the implementation of the external benchmark regime, borrowers should try to make the most of the existing regime

Stick to shorter duration debt funds, lending rates unlikely to come down

Investors may also spread their investments across several non-convertible debentures, currently promising upward of 9 per cent annually

Members of JetPrivilege should avoid panic spending of air miles: Expert

To avoid risks members should keep using their miles as regularly as they earn them

Sebi's new norms will ensure uniformity in valuation of high-risk papers

But the issue of how much credit risk different debt fund categories should take remains to be addressed

Buying an officers' liability policy? Pick one early, with adequate cover

Compare both, the features and the price when deciding on the insurer

Equity balanced funds remain attractive due to fine long-term track record

Despite the recent outflows and anaemic returns, the category makes sense due to its fine long-term track record

Looking for regular income? You might want to start investing in Reits

Derive 5% of your regular income from Reit initially. Raise this figure to 25% if the asset class does well

Here's why investors should enter quality mid-caps with a 5-year horizon­

Mutual fund investors should maintain their asset allocation and continue SIPs in mid- and small-cap funds that have a sound track record

In case you possess a large amount of jewellery, opt for a standalone cover

Those who own only a small amount may go for a home content cover

Got a job? Start investing but need to avoid a few mistakes at this stage

More than choice of instrument, it is asset allocation that will decide how much young investors accumulate eventually

First-time investors should tweak their portfolio, reassess stocks

Yes, there will be mistakes. But more often than not, there is enough time to recover if the companies are sound

Want to lock in current high yields? Why an FMP works better than an FD

However, with so many companies facing credit-related issues, opt only for portfolios where the bulk of securities have AA and above ratings

Enhance insurance coverage, beat medical inflation with a super top-up

When buying a TU/STU, consider the insurer's brand strength, claim settlement ratio, and product features

Buying insurance from car dealer is costlier, consider getting it online

Before buying, compare premiums online, and opt only for those add-ons that you need

RBI monetary policy: Will your home loan EMI fall due to rate cut?

New borrowers will benefit if banks cut their MCLR. Older borrowers' EMIs will change only when their reset date arrives

Investing in gold? Amid uncertainty, stagger purchases and buy on declines

Averaging out your purchase cost will be a better strategy than trying to time your entry

Buying health insurance? Look up these key numbers before choosing a plan

Comparing insurers on parameters like incurred claims ratio and claim settlement ratio can help you make a better choice

Zee stock crash shows why you should avoid firms with high pledged shares

A decline in stock price, due to rumours of impending default, can trigger a big selloff

Make long-term bets on real estate, pick firms with strong brands, low debt

If you are convinced the sector has more positives than negatives, then stick to companies with a strong balance sheet, brand and good execution record