Page 18 - Your Money

Resolve inaccuracies in AIS promptly with real-time status update tool

Reconciling financial transactions with Annual Information Statement before filing return can prevent inquiries by taxman

Bet on IT funds to gain from digitisation, generative AI adoption

Limit allocation to 10% of equity portfolio and enter with a five to seven-year horizon

Retirement MFs: Equity allocation, flexible withdrawal options key benefits

Stay invested even after lock-in ends to gain from compounding

New mutual fund investors: Set goals and assess your risk profile

Knowing these parameters will allow you to determine the optimal asset allocation, essential for building a portfolio

Ensure donations claimed in tax returns match Form 10BE figures

Retain Form 10BE and related documents for at least four years to validate Section 80G claims

Select a smart-beta fund based on your risk tolerance; restrict exposure

Aggressive investors may choose momentum-based factor funds

Sector & thematic funds: Prospects, not past returns, should be your guide

Monitor these funds closely and be quick to exit, instead of trying to chase the last rupee

File tax return in mid-June, once all necessary information is available

Only taxpayers with single source of income or simple finances should file early

Streedhan: Understanding and protecting a woman's right over assets

The husband's family should also document all gifts to avoid false allegations

Insurers receptive to covering chronic ailments, declare PEDs honestly

By paying extra premium, you can reduce waiting period for pre-existing conditions to even one day

Choose Aadhaar-based KYC: Once done, you may invest across fund houses

Keep Aadhaar, registered mobile number and scanned documents handy before starting online procedure

Door opens for senior citizens to get health insurance: What they should do

Seniors must strike a balance between premium and co-pay; too low a premium could mean high co-pay, which would pinch at the time of claim settlement

After Bitcoin's massive price surge, book partial profit if overexposed

At current elevated prices, prospective buyers should opt for staggered purchases

Manufacturing funds: Invest with 5 to 7-yr horizon to cope with eco cycles

Add these schemes to your portfolio only after building a core using diversified funds

Amid varied risk levels, review portfolio before choosing credit risk fund

Only investors with high risk appetite should opt for them; limit allocation to 5-10%

Section 54F: Avoid capital gains tax on jewellery sale with house buy

In India, no tax has to be paid on inheriting gold, but its sale triggers capital gains tax

Top-up home loans work best when repaid quickly; avoid overleveraging

Avoid overleveraging or using these funds to finance non-essential lifestyle expenses

Investors betting on longer-duration debt funds need to be patient

Experts say while rate cuts remain on the table, their start is likely to be delayed

You should invest in silver gradually or on pullbacks after the rally

Opt for a silver exchange-traded fund or a fund-of-funds having low expense ratio and tracking error

Bypass MFs' foreign investment limits, access wider product menu via LRS

Consider this route after developing a robust domestic portfolio and if you can invest minimum $50,000 annually