Page 9 - Sanjay Kumar

Don't fret over the index valuations and take stock-specific calls

Meanwhile, news reports suggest the Securities and Exchange Board of India (Sebi) is in discussions with the mutual fund industry to carry out a comprehensive stress test of equity funds

Financial goal to liquidity need: What to get from tax-saving investments

Ensure they are also in sync with your investment horizon and liquidity requirements

Floating-rate funds: Market experts call for wait-and-watch approach

Investors should take the change of stance as a cue to exit

An antidote to bear market pessimism

The author of The Joy of Compounding has come up with another essential reading for all investors keen to master a strategy for navigating through severe bear markets

SSY: Invest for its high and tax-free return with zero credit risk

Only parents of a girl child who do not mind the long lock-in should go for it

Hurdles and solutions: What self-employed should do to get term insurance

Sum insured should be equivalent to 10-15 times income and the cover should extend until financial liabilities have been settled

Invest in longer-duration funds to gain from anticipated rate cuts

But avoid going overboard with exposure as unforeseen events could prevent inflation from softening

Equity funds' outlook for 2024: Book profits in smallcap, midcap funds

Money received should be allocated to largecap funds and fixed-income instruments

Select a global health plan covering planned and emergency hospitalisation

The cost of treatment, especially in countries like the US, is much higher than in India, which makes a large sum insured essential

Non-linked insurance plan: Surrender or stay? Do the math before deciding

The new norms contained in IRDAI's exposure draft, if implemented, will make surrendering less painful

Annual insurance review: Why you must boost term cover at key life stages

Your health policy's sum insured also needs periodic enhancements to keep pace with medical inflation

Be warned: Restarting stalled vehicle in a flooded area magnifies damage

In such areas, engine protection, zero depreciation, and roadside assistance riders are must-haves

The salience of constancy

Diving into the paradox of constant change and our innate desire for certainty, Morgan Housel's Same as Ever offers timeless wisdom to negotiate the unpredictable currents of life

NPS: Select and switch fund managers based on long-term performance

Monitor seven or 10-year performance and switch if underperformance persists for two years

Why investing in IPOs is risky and how you can make a safe market bet

Investors must exercise greater due diligence compared to secondary market investing

Want guaranteed long-term returns? Consider non-par insurance plans

Get an expert to calculate internal rate of return; ensure premium doesn't exceed Rs 5 lakh annually for tax-free return

'Claim denied': Mistakes in health insurance that can give you heartache

Being aware of policy's exclusions and waiting periods is equally vital

Risk weight hikes by RBI: Maintaining credit score now more crucial

If you're finding it difficult to secure a personal loan or credit card, be prepared to offer some collateral

Avoid mis-selling at banks, research before buying financial product

Rely on a fee-based advisor instead of bank relationship manager for investment advice

EV insurance: Ensure all-round protection for battery with add-on cover

Return-to-invoice, zero depreciation for major components are must-haves