Page 15 - Sanjay Kumar/workspace/business Standard Web/video

NPS guaranteed return product to have floating rates, reset every year

Guarantee benchmarked to the rate of return on ten-year government security

Go ahead with house purchase in 2023 despite high loan rates

By the time interest rates moderate, prices could move higher

Hold on to equity funds in 2023 despite turbulence, say experts

If you exit the market now, you could be left on the sidelines when a sustained recovery begins

The reason you must hold on to equity funds despite turbulence in 2023

If investors exit the market now, they could be left on the sidelines when a sustained recovery begins

Sum total of all your EMIs should not exceed 40% of your net income

Make sure buying a house will not lead to compromises on other crucial financial goals

Don't quit underperformer if fund manager remains true to mandate

Your portfolio shouldn't contain stocks picked at exorbitant valuations or those that have corporate governance issues

Buy more insurance cover if your liabilities have increased in the year

Hike health insurance coverage as well to keep pace with medical inflation

Prepay home loan to combat interest rate hike impact, say experts

If your pocket allows, opt for higher EMI, not a longer tenure

Time still not ripe for investors to bet on long-duration debt funds

Lock into one-two year FDs and continue laddering, say experts

If investment review shows decline in international allocation, restore it

Lock into attractive yields being offered by target maturity funds of three-five-year maturity

Consistency should be key criterion when choosing NPS fund manager

Asset allocation to NPS should depend on age, risk appetite and asset mix in existing investments

Handling workplace conflicts

Amy Gallo's book offers hope to those in a toxic work environment. She argues oscillating between suffering in silence and lashing out in anger in not their only option

Your tax-saving investments must match your financial planning targets

Ensure that such investments are in sync with your asset allocation and are not done hastily

Companies mostly beat large banks on FD returns, face competition from SFBs

However, corporate deposits are generally riskier than those offered by large bans; debt funds offer attractive returns in above 3-year tenure

Banking funds could outperform if economic recovery continues unimpeded

Global factors causing a slowdown and overexposure to this sector are key risks

Park funds into debt schemes as yields have turned attractive: Experts

Tactical bets on longer-duration funds not advisable in the current scenario as rate cuts are not on the horizon

Base effect contributing to small-cap funds' 30% return over three years

Limit exposure to this volatile category to 10-15% of equity portfolio, enter with 7-10-year horizon

How diabetes-specific insurance plans offer coverage and benefits

Policies assist those already suffering from the disease and most cost only around 20% more

Select segments within PSU theme could outperform amid economic uptick

Public-sector banks, defence stocks could do well; PSUs exposed to commodities are at risk

Common ITR form will make tax-filing easier, reduce time taken, say experts

Its success, however, will hinge on the quality of online utilities launched along with it