Page 17 - Your Money

Counter high valuations, volatility by investing in hybrid mutual funds

Diversifying investments through multi-asset funds can be another smart investment move

Homeowner can claim house rent allowance while living in rented house

If you pay rent to spouse or parents, maintain proof for HRA claim

Tax loss harvesting: Reduce tax liability, improve quality of portfolio

Transaction costs, price fluctuations may nullify the benefits of this exercise

Investing in cryptos: Be mindful of high volatility, regulatory overhang

Potential investors should be mindful of regulatory overhang and high volatility

MAAFs: After sharp equity run-up, diversify with these all-weather funds

Both return and tax treatment can vary widely based on each fund's asset allocation mandate

Non-linked insurance plan: Surrender or stay? Do the math before deciding

The new norms contained in IRDAI's exposure draft, if implemented, will make surrendering less painful

TMFs: Capture current high yields by staying invested till maturity

Select a fund with a longer duration to gain from possible rate cuts next year

Rebalance portfolio, avoid overexposure or complete exit from equities

Book profits in mid- and small-cap segments, allocate money to fixed income and gold

Leverage HUF to max tax benefits by distributing income, availing deduction

By distributing income and availing of deductions, it can facilitate tax savings

Children's fund: Lock-in is useful if you tend to exit amid high volatility

Before investing, understand the fund's portfolio composition, and whether it suits your risk appetite and horizon

2.5% interest, tax exemption on maturity make gold bonds attractive

But there's a lock-in of five years and investors lose tax exemption if they exit prior to maturity

Sectoral, thematic funds: Investors should avoid extrapolating past returns

Such behaviour leads to chasing funds that are past peak performance

US Federal Reserve's potential 2024 rate cuts may extend rally in silver

Investors must, however, be prepared for greater volatility in white metal

Upbeat outlook amid stable credit environment, high portfolio yield

Take moderate exposure to these funds, given the potential for defaults and downgrades in their lower-rated portfolios

Private credit: The rise of a diverse capital solution

Private credit has the potential to serve a larger market need, supplant traditional and alternative pools of capital

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

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

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

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

Buy jewellery for consumption; it is inefficient for investment purposes