Page 14 - Personal Finance

Prepay your education loan or invest early? Here's what experts advise

Experts explain when it's wiser to cut debt quickly and when early investing builds more wealth

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

Term insurance: Best plans and rates available for buyers

Here are the best premium rates for a term insurance plan for young male professionals living in cities and who have a longer investment horizon

Allocate 30-70% of your equity portfolio to large-cap funds, say experts

Large-cap funds have shown steady performance, with recent results pointing to improving earnings momentum across leading companies. Experts say valuations look appealing for long-term investors

Term insurance: Pick insurer with consistently high claim settlement ratio

A strong persistency ratio signals customer trust, better service and fewer disputes, while a high claim settlement ratio shows how reliably an insurer honours claims-key checks before buying term cov

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

Treading with care at a new frontier: RBI cautious on banks' M&A funding

Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models

Partial hospital bill payout: Boost policy cover to secure full claims

In particular, avoid room rent caps that lead to proportionate deduction

Rich IPO valuations: Track post-listing performance before investing

Better price points, aligned to fundamentals, tend to emerge once the initial hype fades

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

What are the best FD rates available for senior citizens from lenders?

Senior citizens typically get a marginally higher rate of interest for fixed deposits, which are a low-risk, but lower-return, investment vehicle

SPARSH portal for defence pensioners: Here's how to get your PPO online

The Defence Ministry's digital pension platform lets retirees access, view, and download their Pension Payment Order with just a few clicks.

Exit a fund only if risk appetite changes or tracking error widens

Experts say investors should not exit smart-beta funds due to short-term underperformance as factor strategies are cyclical and tend to recover

SEBI warns on digital gold: Should you cash out or hold? Experts explain

'Safety must come before convenience,' say experts, urging investors to rethink unregulated digital gold after SEBI's latest caution

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

Wrong bank charge or failed payment? RBI's portal helps you fight back

The central bank's online redressal system ensures your grievance doesn't go unheard.

Madras HC calls crypto 'property': Here's what it means for investors

'Treating crypto as property upgrades investors from users to proprietors,' says expert after the Madras High Court granted digital assets legal status

Banking, financial services funds: Enter via SIPs with a 5-year view

If loan growth does not rise towards the 12-13 per cent range, valuations may shrink

Worried about Aadhaar misuse? UIDAI has rolled out a new safety vault

Organisations that have access to Aadhaar information must store it in the secure vault, says UIDAI