Page 13 - Your Money

Sebi circular on frauds: Verify registration before taking investment tips

Anyone claiming to be a Sebi-registered investment advisor or research analyst must provide a valid registration number

Minimising payout on home loan: Boost credit score, prepay, cut tenure

A home loan balance transfer can help move to a lower interest rate

Equity or debt-oriented? Let risk profile and time horizon decide for MAAFs

Amid market turbulence, investors seeking stability with reasonable returns may multi-asset allocation funds

Maharashtra RR rate hike: Choose ongoing projects, women ownership helps

The RR rate is the minimum value at which a property must be registered during a transaction

Low-volatility index funds, ETFs show lower drawdowns and higher returns

Low-volatility indices typically consist of the least volatile stocks within a particular index

China-focused MFs: Take limited exposure, watch out for policy shifts

The stressed real estate sector, a key driver of the economy, has not yet stabilised

Under-construction property: Check developer credibility before investing

Construction delays forced homebuyers to pay equated monthly instalments and rent simultaneously

Defensive funds: Focus on consistency across cycles, not just performance

Funds that curbed their losses may not necessarily lead the rebound

MF schemes merger: Stay invested if new fund fits your goal, risk appetite

Fund houses also merge schemes to cut costs and focus scarce fund management resources on their flagship schemes

Momentum funds: Invest if you have long horizon and stomach for volatility

Momentum funds follow a thematic approach, buying stocks in an upward trend and selling when the trend reverses

Lower concentration risk, outperformance during broad rallies

An equal-weighted index assigns the same weight to every stock, regardless of market capitalisation

Don't lose rupee cost averaging by stopping SIPs; stay focused on goals

Experts attribute the surge primarily to heightened equity market volatility since September 2024

Dividend yield funds: For risk-averse investors seeking lower volatility

The dividend yield acts as a cushion that prevents stocks from falling further

New India Co-op Bank crisis: Higher returns come with greater risk

Many cooperative banks fall prey to political interference, unreliable accounting practices, loan evergreening, and frauds

Purchasing term insurance: Choose a policy that balances coverage and price

CSR represents the percentage of claims settled by an insurer within a financial year

Debt MF outlook: Divide portfolio between long- and low-duration funds

The Indian economy requires rate cuts and a supportive monetary policy to sustain growth, which is slowing

Updated income-tax return: Ensure accuracy as revisions are not permitted

Only those with additional tax to pay can file an updated return

Budget 2025: Spend some, use rest to retire debt and secure long-term goals

A few instruments, which offer tax deduction, remain relevant even for taxpayers in the new regime

Budget 2025: Relief on 2 self-occupied properties, without riders

Annual limit of Rs 2.4 lakh for TDS on rent increased to Rs 6 lakh

Understanding Budget documents: Identify changes relevant to your finances

The July 2024 Budget changed little for taxpayers, heightening expectations for relief this year