Page 86 - Personal Finance

Global slowdown could dent office space demand in H1 2023 after strong 2022

Demand from domestic companies will, however, lend stability to the market

The reason you must hold on to equity funds despite turbulence in 2023

If investors exit the market now, they could be left on the sidelines when a sustained recovery begins

Gold to shine amid global recession; soft landing could play spoilsport

But it will lose sheen if the world economy achieves a soft landing

Don't let bank compel you to buy insurance policy with home loan

Instead of taking an agent's word, do your own research on policy benefits and obligations

Sum total of all your EMIs should not exceed 40% of your net income

Make sure buying a house will not lead to compromises on other crucial financial goals

Listen to the expert: Why a professional investment advisor matters

A Sebi-registered investment advisor is qualified to help you manage your finances

Opt for regular investing over extreme frugality

Extreme frugality carries the risk of a backlash, akin to a person on a near-starvation diet lapsing and going on an eating binge

Short-duration funds suit conservative investors during pause in rate cycle

Take a tactical bet on longer-duration funds when RBI moves to a tightening stance

Monitor your credit report regularly as improving score takes time

Viewing it often will also help you detect identity theft early

Introduce personal finance lessons in college: BJP MP in Parliament

Important for students to know about value of money, rate of return, mutual funds etc, says Tejasvi Surya

Don't quit underperformer if fund manager remains true to mandate

Your portfolio shouldn't contain stocks picked at exorbitant valuations or those that have corporate governance issues

Prepay home loan to combat interest rate hike impact, say experts

If your pocket allows, opt for higher EMI, not a longer tenure

Professionals serving affluent clients must buy bigger indemnity covers

They should avoid professional indemnity policies with sub-limits or high deductible

KreditBee raises $80 million in Series D from Premji Invest, others

The fintech firm aims to cross an AUM of over $1 billion in the next 6-9 months

Inheritance rights of adopted children vary on the basis of religion

Hindu and Christian personal law treat adopted child on a par with natural-born ones

SIP's share in MF AUM hit new high of 17% in October, shows data

But overall AUM has increased a mere 6%

Why active mutual funds do not beat the index

Active mutual funds on average (and net of fees) underperform the index because they have less inside information than promoters of companies

Park funds into debt schemes as yields have turned attractive: Experts

Tactical bets on longer-duration funds not advisable in the current scenario as rate cuts are not on the horizon

Build an equity-heavy portfolio for your child's higher education goals

This is essential to combat the high inflation in cost of education

Use corrections in IT sector as buying opportunities, say experts

Stellar long-term track record, growing digitalisation augur well for IT sector funds