Page 8 - Sanjay Kumar

Selecting a REIT: Factor in capital gains and dividend payouts

The Indian REITs Association, a newly formed umbrella body, has meanwhile requested Sebi to classify REITs as equities and petitioned RBI to allow banks to lend to REITs

The financial year is ending: Here is what you must do for your investments

Avoid triggering taxation during portfolio rebalancing by buying more of underperforming asset class

Long-duration funds: 6-12 months for tactical, 10+ years for long term

Those with a medium-term horizon run the risk of getting caught in a rising rate cycle

Reduce liquidity risk in smallcap, midcap funds with asset allocation

While the bulk of midcap funds that have declared their results will be able to liquidate 25 per cent of their portfolio within three days, only about half of the smallcap funds would be able to do so

Investor should rebalance portfolio after surge in value fund returns

Investors must blend growth and value styles, enter with minimum five-year horizon

Long lock-in, but safe investment: What NPS can do for your financial goals

NPS is an excellent product for retirement planning, provided you stay put till maturity

Yellow metal: Commit to minimum 7-year horizon after rally in gold

Buy in a staggered manner; rebalance if allocation exceeds 15%

Why women's retirement, financial planning must differ from men's

Save diligently to counter the impact of career breaks, establish emergency fund to avoid touching the retirement portfolio

Exit small, midcap funds if risk appetite low and time horizon short

Those having considerable amounts of both should rebalance and stay put

Make your retirement portfolio last longer, withdraw funds conservatively

A recent study suggests a withdrawal rate of 3-3.5%, but financial advisors suggest erring on the side of caution

Growing roses in concrete

Can people build on skills that are not immediately apparent? Wharton School professor Adam Grant weighs in on the nature vs nurture debate in his book, providing some definitive answers

Opt for loan apps that have partnered reputable regulated entities

The app must be featured on that entity's website and in RBI's whitelist

Optimal time to book profits in PSU funds: Will the rally continue?

High valuations, limited earnings upgrade prospects warrant caution

KYC compliance: Time consuming, repetitive but critical for your safety

Update your documents regularly so that you are able to fulfil KYC demands seamlessly

P2P lending is risky; investors must diversify their borrower profiles

Lenders get the benefit of monthly cash flows and control, but they must avoid platforms promising high returns

Paytm fiasco: Merchants must onboard alternative provider for UPI payments

Long-term, fundamentals-oriented investors should stay away from its stock for now

Existing investors: Rebalance US equity funds portfolio, avoid exiting mkt

New investors should look beyond one-year data; enter via SIP route with a seven-year horizon

Income after retirement: Risks and rewards of deferred annuity plans

Allocate just enough to generate a basic retirement income; over-investing in this illiquid product can backfire

High-value home loans: Enhance your credit score to boost eligibility

Engage a property lawyer to carry out title and other checks for smooth approval

Under-construction or ready-to-move-in house: How to make a choice

Regard the lower price of an under-construction property as compensation for betting on a riskier asset