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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

Match upgraded credit card benefits with spending pattern, beware of costs

Threshold limit for waiving annual fee should not exceed spending capacity

Go by firm's equity track performance when selecting multi-cap fund

These funds can capture growth across market caps; and even if one segment underperforms, damage to them is limited

Investors can eliminate price-NAV mismatch by opting for index funds

Long-term investors can optimise costs by purchasing ETFs through low-cost brokers

New investors: Shun yesterday's winners, diversify across sectors

Those taking MF route may begin with a passive fund, gradually invest in various market caps, asset classes

Cover yourself against future cuts, lock into current fixed deposit rates

Consider alternatives like SCSS, NSC if you don't have interim liquidity needs

Investors should allocate bulk of portfolio to shorter-duration debt funds

Shift part of portfolio to longer-duration funds when inflation moves sustainably close to RBI's target level

Navigating 20% TCS: Smart tips for your overseas holiday this summer

Reduce trip duration if necessary, use prepaid forex card to nullify currency fluctuation, buy adequate insurance

Nascent recovery in IT funds: Invest systematically, hold for long term

Experts suggest holding them for long term, say tech stocks may take a hit if economic conditions in US or Europe worsen

Assess your affordability before purchasing amid housing market buoyancy

People in sectors witnessing layoffs should be especially cautious

Conservative investors eyeing regular income can opt dividend yield funds

Hold them for at least five years, and withdraw money via the more tax-efficient SWP route

Have a good credit score, need quick money? Opt for unsecured loan

Since the interest rate is high and the loan tenure short, evaluate your repayment capacity carefully

Seeking alpha? Go for factor-based fund, limit exposure to 15-20%

While single-factor funds may underperformance at times, a multi-factor one could offer smoother experience

Safety net: Covid-19 cases up, check if policy covers at-home care

Sum insured must be adequate, include consumables like PPE kits

Investors should stagger entry into medium-to long-duration debt funds

Take limited exposure, counter risk of possible decline in NAV with adequate investment horizon

Heirs must know what you own to claim wealth: HNIs should opt for trusts

Appoint nominees and write a Will to make the transfer hassle-free

Small savings schemes: Pay heed to return, taxation, and lock-in

Returns of some schemes remain unchanged throughout the tenure, but can fluctuate in the case of others

Make part-prepayments to cut home loan tenor, but don't use retirement fund

Another option is to switch to another lender who is willing to refinance at a lower rate

Avoid excess exposure to risky assets in times of high market volatility

Build emergency corpus, buy adequate life and health insurance, and don't take on too much debt