Page 3 - Personal Finance

Year-end portfolio review: Book partial profits in silver and gold funds

Diversify internationally, continue SIPs in equity funds, and move towards medium and shorter-duration debt funds

Margin calls in gold loans: Avoid borrowing over 50-60% of pledged value

Maintain a liquidity buffer in case you get a margin call due to falling gold prices

Foreign property purchase: Remit own, tax-paid funds via authorised banks

Disclose the property every year under Schedule FA of your income-tax return

What are the interest rates senior citizens can get on fixed deposits?

Senior citizens get a slightly higher rate of interest on fixed deposits across public and private banks, as well as NBFCs

Canvas to capital: How art is becoming India's new investment asset

Indian art is moving beyond aesthetics into portfolios, as wealthy investors seek diversification, cultural capital, and long-term value in an asset class once seen as niche

Keep overdraft use limited to urgent needs, avoid rolling over dues

Availing of this facility without a clear repayment plan can lead to financial stress and higher borrowing costs over time, experts warn

Loan guarantors face risks; negotiate cap on liability in loan deed

To protect insurance policies purchased for spouse from recovery proceedings, place it under Married Women's Property Act

Owning property in UAE? What investors must know about wills, succession

UAE succession laws differ from India, making local wills essential to protect assets and intended heirs

New tax law from April 1: What it means for income, filing, and compliance

Taxpayers must be able to distinguish between matters where the old tax law still applies and those where the new one does

G-Secs gain popularity: Match investment horizon with tenor to reduce risk

Reinvestment risk can be dealt with by laddering investments

Retirement portfolio beyond FDs: Diversify for inflation, longevity risks

The entire retirement corpus will not be needed on day one, so it should be split into growth and income-generation buckets to manage inflation and longevity risks

Moving from gas to induction? A buyer's guide to induction cooktops

As LPG shortages disrupt kitchens amid West Asia tensions, induction cooktops are gaining ground. Here's a practical guide to choosing the right model for Indian cooking needs

Crude at $100: Should you lock in home loan rates before FY26?

Rising crude oil prices amid tensions in West Asia could affect inflation and the RBI's rate trajectory. Borrowers may consider locking in home loan rates before the financial year ends

Correction in banking, financial funds: Exit if unable to handle volatility

Stay invested only if you have strong conviction, understand the sector, and can time your entry and exit

Tax-saving contributions face March 31 deadline; align investments wisely

Last-minute choices made without considering needs could exact a high financial price

When markets fall: Should you worry or invest more amid volatility?

History shows that sharp falls are not unusual. Since 1980, the Indian stock market has corrected by more than 30 per cent on eight occasions

Arbitrage funds: Investors in higher tax bracket may invest for 6-12 months

Arbitrage funds aim to capture the price difference between the spot price of a stock or index and its futures price when futures trade at a premium

Draft digital fraud compensation norm: Payout one-time, vigilance still key

Under the draft, an eligible victim will receive 85 per cent of the net loss amount, or ₹25,000, whichever is lower

Tackling West Asia conflict's impact on investments, household budget

Avoid panic selling, keep SIPs going: Past wars caused transitory selloffs

Stranded due to West Asia conflict? It may affect your tax residency status

Incorrect assessment of status and failure to fulfil tax-related obligations can have serious consequences