Page 2 - Your Money
Stock Beta explained: What risk and return mean for individual shares
Learn how stock beta measures volatility, helps you weigh potential returns against real-world risk
 "Stock Beta explained: What risk and return mean for individual shares")
Why investors need to be cautious after run-up in small-cap funds
With pockets of this segment turning expensive, investors should rebalance if overweight and invest in a staggered manner
 "Why investors need to be cautious after run-up in small-cap funds")
Renewing health insurance? Check these details before enhancing your cover
Compare the new policy with the old one, disclose health changes when seeking higher cover, and obtain written confirmation of the increased sum insured
 "Renewing health insurance? Check these details before enhancing your cover")
Term plans with return of premiums: Count the real cost before you buy
Compare the higher premium with pure term cover, factor in inflation, and examine lapse and surrender terms
 "Term plans with return of premiums: Count the real cost before you buy")
Buying under-construction property? Don't skimp on due diligence
Tie payments to project's progress; verify title, approvals and Rera disclosures
 "Buying under-construction property? Don't skimp on due diligence")
Consumer durable loans: Avoid hidden costs and risk of overleveraging
Compare the annual percentage rates across players, and also compare the total cost of cash and EMI options to understand the actual cost
 "Consumer durable loans: Avoid hidden costs and risk of overleveraging")
EPFO wage ceiling rises to Rs 25,000: Will your take-home salary decrease?
The change will extend EPF, pension and insurance benefits to more than 5 million workers, with contribution rules yet to be detailed.
 "EPFO wage ceiling rises to Rs 25,000: Will your take-home salary decrease?")
Beyond Traditional Equity: Where REITs, InvITs and International Funds Fit
REITs, InvITs and international funds can diversify a portfolio, but their tax treatment, liquidity constraints and specialised risks require careful evaluation.
 "Beyond Traditional Equity: Where REITs, InvITs and International Funds Fit")
The Tax-Saving Trap: Why Deductions Should Never Dictate Your Portfolio
Investment choices should be based on financial goals, risk and liquidity, with tax efficiency considered only after the portfolio's core structure is determined.
 "The Tax-Saving Trap: Why Deductions Should Never Dictate Your Portfolio")
Don't let fake discounts and paid rankings distort online shopping deals
Track price history, compare the final payable amount and keep screenshots
 "Don't let fake discounts and paid rankings distort online shopping deals")
The Myth of Corporate Safety: Why Employer Health Insurance is Not Enough
Corporate health cover may offer convenience, but low limits, co-payments and employment-linked protection can leave families financially exposed during a medical crisis.
 "The Myth of Corporate Safety: Why Employer Health Insurance is Not Enough")
How to Think about Retirement If You Are in Your 20s and Hate the Word
Starting early can turn modest investments into long-term financial autonomy, providing the freedom to change jobs, take a sabbatical or pursue a different career.
 "How to Think about Retirement If You Are in Your 20s and Hate the Word")
The annual reset: How to remove emotion from portfolio rebalancing
Annual rebalancing helps investors correct asset-allocation drift, manage risk and restore their target portfolio mix without reacting to market noise.
 "The annual reset: How to remove emotion from portfolio rebalancing")
How to Match Investment Products with Your Time Horizon
Aligning investments with goal deadlines can balance liquidity, market risk and inflation while preventing costly timeline mismatches.
 "How to Match Investment Products with Your Time Horizon")
How to Know Whether You Are Investing or Just Reacting
Goal-based investing, fixed asset allocation and periodic reviews can help investors resist market noise, emotional impulses and costly portfolio churn.
 "How to Know Whether You Are Investing or Just Reacting")
What ongoing costs should first-time renters remember
First-time renters should budget beyond rent for setup costs, monthly bills and replacements, while prioritising essentials and avoiding debt-led overspending.
 "What ongoing costs should first-time renters remember")
How to Create a Low-Stress Portfolio If You Hate Volatility
Risk-averse investors can balance growth, stability and liquidity through diversified assets, disciplined allocation and annual rebalancing.
 "How to Create a Low-Stress Portfolio If You Hate Volatility")
Rera or consumer commission: Why forum should be chosen with care
Avoid duplicate claims, and enforce an existing order in the same forum
 "Rera or consumer commission: Why forum should be chosen with care")
How senior citizens should protect themselves from insurance misselling
The regulator's action against Canara HSBC Life highlights how elderly buyers can be mis-sold unsuitable insurance products and what safeguards they should follow
 "How senior citizens should protect themselves from insurance misselling")
Check returns and exit costs before buying non-par insurance plans
Calculate the internal rate of return, assess surrender costs and make sure the long-term premium commitment fits your goal before opting for guaranteed-benefit insurance products
 "Check returns and exit costs before buying non-par insurance plans")