Page 5 - Personal Finance

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

Algo trading: Trade with multiple stop-losses, strict risk control limits

When selecting an algo, factor in not just the returns but also the costs incurred while trading

New investors should enter systematically with a minimum seven-year horizon

New investors should enter US-focused funds systematically with at least a seven-year horizon, while existing ones rebalance portfolios and moderate tech exposure amid high valuations

293% gains for Sovereign Gold Bond 2018-19 Series-I, RBI sets exit price

Investors in the Sovereign Gold Bond 2018-19 Series-I can redeem early on November 4, 2025, at Rs 12,039 per gram.

Health insurance sum insured: Review every 2-3 years to beat inflation

To strike a balance between the need for protection and affordability, combine base policy with super top-up

India's travel boom gets luxe: Early bookings, smart spends, big getaways

Premium stays, early planning, and value deals define Indian travellers' festive bookings, finds MakeMyTrip

Go global to limit India-specific shocks, hedge currency risk

Limit global allocation to 10-15% initially, avoid chasing recent outperforming countries and themes

Use passive funds in portfolio for broad-based, low-cost, stable allocation

Avoid need to chop and change funds due to underperformance; supplement with active funds in satellite portion