Your Money

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

Market correction: Build watchlist, buy quality stocks at target prices

Do not exit in panic or buy falling stocks without reassessing fundamentals; instead, build a watchlist and invest gradually with a disciplined, long-term approach

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

Plunge in gold ETF inflows: Make staggered entry with 5-year-plus horizon

Existing investors should rebalance but avoid complete exit

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

Choosing between RERA and consumer court for action against builders, dues

Carefully assess nature of grievance before choosing forum

Home insurance policy: Know coverage nuances to avoid claim surprises

Some risks are covered, others require purchase of add-ons, and yet others are completely excluded

Women home loan borrowers: Co-borrowers must ensure they are co-owners

Besides enjoying a share in the property, this will make them eligible for tax benefit

Value and contra funds: Add the other if it diversifies your portfolio

Sebi's new rule allows AMCs to offer both value and contra funds with limited portfolio overlap. Here's how the two strategies differ and which investors they suit

File consumer complaint within two years of the last cause of action

Identify correct court for filing complaint based on amount paid for goods or service

Life-cycle funds: Match goals with tenure, pick glide path for your risk

Wait for greater clarity on how these funds will be taxed at maturity

Forex card breach: Prompt reporting can secure full refund if no negligence

When not travelling, lock the forex card, keep only a small balance, and switch on alerts

Builder-buyer agreements fairer now, yet buyers must scrutinise fine print

Do not skip crucial provisions of the agreement that have a bearing on your interests

Bitcoin correction calls for decisions based on risk, allocation, horizon

If you are underweight, continue with systematic purchases

Corporate bond funds: Overlook recent outflows, invest with 3-5-yr horizon

The outflows were due to liquidity tightness and consequent rise in yields, not due to a deterioration in the category's risk-return profile

Dealing with a tax notice? Correct errors via updated ITR and pay dues

If your claim was genuine, submit documents to back it up

Fund managers rebalance MAAFs after run-ups, so stay invested

New investors should consider them for risk reduction, stability and disciplined allocation, not return-chasing