Page 2 - Your Money

Invest in gold, global funds to cushion portfolio against fall in rupee

Holding gold and global assets can help Indian investors hedge against rupee depreciation, manage inflation risks, and meet dollar-denominated goals such as overseas education and travel

Retirement funds: Invest if you are prone to panic-selling amid volatility

Sophisticated investors who manage diversified portfolios and don't wish to outsource asset allocation may avoid them

Begin work on improving credit score a year before applying for BFSI job

Employers are using credit history to assess candidates for roles involving clients' money, credit decisions, and sensitive financial data

Disclose high-value property gifts, taxable or exempt, in tax return

With high-value immovable property gifts now under SFT reporting, scrutiny will rise, making accurate disclosure of such transactions in income tax returns increasingly important

Correction in silver funds: Enter gradually with minimum five-year horizon

Existing investors who have become overweight after the bull run of the past year should book partial profits and rebalance

Motor insurance claims: Small lapses that can lead to costly rejections

Everyday mistakes, from delayed reporting to unauthorised vehicle use, can lead to a claim being denied

Year-end portfolio review: Book partial profits in silver and gold funds

Diversify internationally, continue SIPs in equity funds, and move towards medium and shorter-duration debt funds

Margin calls in gold loans: Avoid borrowing over 50-60% of pledged value

Maintain a liquidity buffer in case you get a margin call due to falling gold prices

Foreign property purchase: Remit own, tax-paid funds via authorised banks

Disclose the property every year under Schedule FA of your income-tax return

Keep overdraft use limited to urgent needs, avoid rolling over dues

Availing of this facility without a clear repayment plan can lead to financial stress and higher borrowing costs over time, experts warn

Loan guarantors face risks; negotiate cap on liability in loan deed

To protect insurance policies purchased for spouse from recovery proceedings, place it under Married Women's Property Act

Consumption funds: Hold if you can withstand volatility, invest for 5 yrs

New investors should stick to diversified equity funds; if they invest, they should take limited exposure in satellite portfolio

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