Page 94 - Personal Finance

Choosing the right financial planner is a wise investment, say experts

Discussing scope of work will enable the registered investment advisor to decide the right fee

Compare premium rates to get a policy that best suits your pocket

To combat tighter underwriting standards, consult a distributor that could point you towards an insurer that covers people with your profile

'AA'-rated NCDs: Risky to focus just on returns, say analysts

Limit exposure to 5-15% of debt portfolio, avoid investing for very long tenures

Things to keep in mind while filing your income tax return this year

Ensure you file your returns ahead of time, in case you need to make changes

Bonds beckon as equity holdings get risky after rally, say experts

With interest rates expected to rise, it may be prudent to avoid long-term options, say experts

Attractive though they are, scrutinise costs before you invest in Ulips

After the recent run up in equity markets, it would be prudent to opt for a mix of equity and debt funds

Employee stock options: Postpone sale of shares if firm plans to list

Extend holding period so that you pay tax on long-term capital gains as it will reduce the outgo

NRIs should apply to I-T dept for relief from double taxation: Experts

If they have lost non-resident status because of enforced stay in India, this can bring them some reprieve

Use only 'mad money' to invest in fads

Investors with a compulsive need to participate in any ongoing action should do so by having a 'mad money' allocation-money they can afford to lose

Split portfolio into various segments to keep cash flow at retirement

Use equities to keep your wealth growing, fixed-income instruments and annuities to generate cash flow

Insurer must pay declared value for total loss

The National Commission agreed with the State Commission's view that neither party had managed to prove that the price mentioned by them was the last market price

GIFT City route to international equities promises greater security

Only sophisticated investors should take this route; most retail investors should stick to the mutual fund route for international investing

Investors should use correction to build exposure to gold: Analysts

Your portfolio needs a hedge against the risks of growth slowdown and inflation

US-focused funds can deliver despite long bull run, say analysts

Invest with at least a seven-year horizon, via SIP, and limit exposure to 15%

Defer income-tax filing if you have to pay a penalty, say analysts

Do so once the glitches on the new tax portal have been ironed out

Invest in equal-weight index to reduce concentration risk: Analysts

Begin with a 50:50 allocation to Nifty50 & Nifty50 Equal Weight index fund

Regulations key to orderly growth of microfinance

The RBI's CD defines microfinance clients based on the current household income limit applicable for NBFC-MFIs

Going abroad for studies? Student policies from Indian insurers are cheaper

If you buy from them, and not from a university-approved insurer, make sure the policy meets all specifications

Include cryptocurrency gains in income-tax returns, say analysts

Treat it as capital gain if you buy and hold; as business income if you trade frequently

NPS fund managers have more choices as investment universe expands

Investment advisors are not comfortable with the idea of a retirement product like NPS investing in IPOs