Page 78 - Personal Finance

Tilt portfolio towards largecap funds to tap reasonable valuations

Consider going for a passive fund

Sovereign green bonds for NRIs offer credit-risk-free returns in long term

Investors should be mindful of exchange rate risk and limited liquidity in secondary market

Direct investing bhi sahi hai: NSE CEO Chauhan's pitch for more retail play

NSE's chief executive and managing director Ashishkumar Chauhan on Thursday said retail investor participation is increasing in the markets, and the group has become a formidable force. Borrowing from a popular campaign run by the mutual fund industry, Chauhan said, "direct investing bhi sahi hai" (direct investing in equities is also correct). The NSE chief was, however, quick to add a caveat. Chauhan said he invests his personal wealth only in mutual funds and not in direct equity participation. Amid heightened concerns over retail investors' play in the more riskier futures and options segment, Chauhan presented a data, saying only 0.3 per cent of the overall traded premiums in the market in October were bets under Rs 1 lakh. He said there is a need to look at data before forming opinions, and not to be driven by beliefs. Retail investors now possess a wealth of Rs 60 lakh crore, which is about a fifth of the overall wealth of all the investors in the market, he said. This gro

EV insurance: Ensure all-round protection for battery with add-on cover

Return-to-invoice, zero depreciation for major components are must-haves

Retirement planning for self-employed: Invest in NPS, PPF and MF SIPs

Instead of reinvesting all surplus in business, invest a part in accumulating a corpus

EMI to warrants: What to know about discounts in festive shopping season

A go-to guide to on what to look for in the fine print of deals being offered

Capitalise on festival offers for loans, but heed other conditions too

Loan amount, tenure and prepayment conditions must also suit you

Plan in advance for high costs of IVF, surrogacy; consider insurance

Couples opting for surrogacy must bear medical expenses, buy health insurance for the surrogate

Funding assisted fertility; planning holiday: Top personal finance stories

Our best stories this week are what couples must know about the financial impact of IVF and places to go for a Diwali break

Go for gold bonds if you have long horizon, ETFs if you need liquidity

Buy jewellery for consumption; it is inefficient for investment purposes

Planning to buy a car? Minimise tenure, maximise down payment on loan

Selling the old car independently, rather than going for an exchange offer, may fetch better value

Avoid withdrawing more from National Pension Scheme than you need

When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum

Prioritise paying off high-cost debt with Diwali bonus you receive

It would also be prudent to channel some of it into replenishing emergency corpus

Start with paper trading in derivatives, test strategy with small amount

Once you begin trading regularly, do appropriate position sizing, set stop losses, and learn hedging strategies

Invest in US Treasury debt fund for currency hedge: What is on offer?

There could be losses in these funds if interest rates rise or the rupee appreciates

Table: Fixed deposit schemes offered by various finance companies

Credit ratings for the schemes are mostly 'stable', according to Paisabazaar table

Want regular income sans credit risk? Invest after exhausting SCSS limit

Younger investors in wealth accumulation stage and those unwilling to lock in for seven years may steer clear

Positive cues for gold's glitter: End of rate hikes, easing by US Fed

Gold's positive performance has come after a rollercoaster ride

IRM Energy's Rs 545 crore IPO subscribed 27 times on last day of offer

The Initial Public Offering (IPO) of city gas distribution company IRM Energy was subscribed 27.05 times on the last day of subscription on Friday. The Rs 545.40 crore-initial share sale received bids for 20,62,70,910 shares against 76,24,800 shares on offer, as per NSE data. The category for non-institutional investors was subscribed 48.34 times while the portion for Qualified Institutional Buyers (QIBs) received 44.73 times subscription and Retail Individual Investors (RIIs) quota got subscribed 9.29 times. The IPO was a fresh issue of up to 1.08 crore equity shares. The price range for the offer was Rs 480-505 a share. IRM Energy Ltd on Tuesday said it has raised over Rs 160 crore from anchor investors. Proceeds from the issue to the tune of Rs 307.26 crore will be used to fund capital expenditure requirements for the development of the city gas distribution network at Namakkal and Tiruchirappalli in Tamil Nadu and Rs 135 crore for payment of debt. Besides, a portion will be

Know your broker, pick a boarding school: Top personal finance stories

Our best stories this week are about what your stock manager should do for you and what is taught at India's elite residential schools