Page 38 - Financial Investment

Steep fall: Add to commitments

Every long-term investor has to learn how to cope with sharp drops

Try gifting personal electronic gadgets

These make good festive choices, with basic models available at reasonable prices and easily bought online as well

Festival loans cheaper than credit card EMIs

But it takes a longer time to avail of these loans, owing to tight due-diligence process of banks

Soon, your smartphone to double up as a debit, credit card

Customers can link their cards to banks' app and make payments after scanning a 'quick response' code

Case study

Readers' Corner: Life Insurance

Manikonda, Hyderabad: Easily accessible from airport, railway station

Commercial goods don't come under Consumer Act

Check your restaurant bill before you pay

Service tax should be correctly calculated

Robo advisors best for small investors

These are low-cost services, offering consistent and transparent advice, irrespective of the portfolio size

Volatility in energy prices likely

As supply adjusts to demand, even share prices across the petroleum value-chain would also swing a lot

It's time to get an Aadhaar card

Supreme Court allows more instruments to use the biometric card

Opt for fixed rate loan for shorter tenure

Ensure that you are comfortable with EMIs and can make part pre-payments

Seeking value by investing in NSE's NV20 index?

Aggressive investors could use the ETF or direct investment route, as it concentrates on IT and bank stocks

Case study

Realty check

budget: Rs 30 - 50 lakh

Unless unique, avoid IPOs

If there are comparable companies, look at relative valuations before deciding

Earn more in the golden years

Depending on your liquidity requirement, invest in the right debt instruments

General Insurance: Rakesh Jain

Insurer held liable for misleading advertisements