Page 2 - Sanjeev Sinha

PSU bank ETFs and index funds: Rebalance instead of chasing momentum

New investors should take limited exposure with long horizon

Super top-ups in health insurance: Match deductible with base sum insured

When base and super top-up are from different insurers, the second insurer may offer reimbursement, not cashless

Rigorous due diligence key when buying property via bank e-auctions

While properties can be purchased in such auctions at a discount to market value, they carry the risk of hidden liabilities

Registering property does not prove ownership, verify title before purchase

Lawful possession and an unbroken, valid chain of documents are other pre-requisites before registering a property, else ownership may not be guaranteed

Luxury real estate sees inventory build-up, investors should diversify

End users should prioritise ready-to-move or near-completion projects to avoid project delays due to developers facing liquidity pressure

Use RERA portals for property due diligence before and after purchase

Whether you wish to assess a developer's track record or the quarterly progress of a project, this is the source you should turn to

Health insurance sum insured: Review every 2-3 years to beat inflation

To strike a balance between the need for protection and affordability, combine base policy with super top-up

Educate seniors on digital arrest scams; urge them to seek timely help

Remind elders that genuine officials never demand money or threaten arrests over the phone or video call

Vehicle ownership transfer: Hand over only after submitting Form 29

Seller must ensure the vehicle remains insured during ownership transfer so that any liability is borne by the insurer, as per the Himachal Pradesh High Court ruling

Buy Now, Pay Later: Limit instalments to 10-15% of income, restrict usage

Those with multiple loans, irregular earnings, or poor repayment habits should avoid this form of quick credit

BNPL: Limit instalments to 10-15% of income and restrict usage to two plans

Those with multiple loans, irregular earnings, or poor repayment habits should avoid this form of quick credit

Occupancy certificate delay: Buyers entitled to refund with interest

Buyers should turn to RERA or consumer forum to seek redress

Co-branded credit cards: Make sure your annual spend justifies the fee

Check whether reward points are easy to redeem, their expiry conditions, and brand-specific limits

Asset split in divorce: Courts presume equal ownership of joint assets

They increasingly recognise the wife's non-monetary contributions such as homemaking and childcare when dividing assets

Rupee weakens vs US dollar: Diversify into global funds, gold to hedge risk

Doing so is crucial for those who have dollar-denominated goals, like a child's education abroad

Cashless facility suspension at hospitals: Keep cash, credit access ready

Submit claims promptly with invoices and receipts to reduce risk of delays, rejection

Medical negligence: Documentation, expert opinion key to court success

The complaint must be filed in the right forum and within the limitation period

TDS section applied by payer doesn't decide a person's tax regime

Choose 44ADA if your occupation is mentioned in Section 44AA(1); explain choice of regime with supporting documents

Tax notice? Joint owners must save documents showing who funded asset buy

At the time of purchase, both sides ought to make a formal declaration of beneficial interest and financial contribution

Buying home: Choose based on urgency, risk appetite, and financial capacity

Go for ready home if you need to move in instantly and can pay full EMI; under-construction if you prefer phased payments and can tolerate construction risk