Page 9 - Sanjay Kumar

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

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