Page 6 - Sarbajeet K Sen

Allocate 20-30% to long-duration debt funds, enter with 6 to 8 years period

Even when investing solely for capital gains, stay flexible and extend investment horizon if required

Avoid going overweight or exiting from equities during bull markets

Rebalance by booking profits in mid and smallcaps, allocate to fixed income

Rebalance portfolio, avoid overexposure or complete exit from equities

Book profits in mid- and small-cap segments, allocate money to fixed income and gold

Investors should limit their allocation to smallcap funds at 15-20%

Book profit if you have become overweight after the recent run-up

Choose Balanced Advantage Fund that changes equity-debt mix on time

But, these funds can lose money during severe market corrections

US Federal Reserve's potential 2024 rate cuts may extend rally in silver

Investors must, however, be prepared for greater volatility in white metal

Upbeat outlook amid stable credit environment, high portfolio yield

Take moderate exposure to these funds, given the potential for defaults and downgrades in their lower-rated portfolios

Tilt portfolio towards largecap funds to tap reasonable valuations

Consider going for a passive fund

Go for gold bonds if you have long horizon, ETFs if you need liquidity

Buy jewellery for consumption; it is inefficient for investment purposes

For mix of stability and growth, invest in large and midcap funds

Investors overweight on small- and mid-cap funds may consider booking profits there and allocating to these funds

Invest in US Treasury debt fund for currency hedge: What is on offer?

There could be losses if interest rates rise or rupee appreciates

Balanced hybrid funds: Mitigate risks and earn stable investment returns

Remember these funds have a limited track record currently; they will also not receive equity tax treatment

Avoid speculating in long-duration funds, invest with 5-year plus horizon

If you are unsure about where rates are headed over the next year, go for dynamic bond funds

When selecting an equity savings fund, check its net equity exposure

Conservative investors keen to reduce volatility should choose a scheme with 15% net equity exposure

Biz cycle funds can generate alpha but carry risks: What should you do?

Higher concentration and fund manager risk make these funds apt only for seasoned investors

Arbitrage funds: Lower risk than equities and similar tax treatment

However, remember that returns fluctuate between years

Planning to buy a premium property? The location holds key to value

Buy property in a much sought-after area where potential for supply expansion is limited

Unable to get a loan? Build a proper credit history with secured card

First-time borrowers should start a fixed deposit and get a credit card against it

Backstop fund facility will shield debt MF investors from fire sale

Alongside Corporate Debt Market Development Fund, risk-o-meter and PRCM introduced earlier enhance investor protection

Bet on money market funds for a horizon of 6-12 months: Should you invest?

For longer periods go for corporate bond funds or banking and PSU funds