Page 3 - Your Money

Largecap funds in 2026: Earnings visibility, valuations support outlook

Weaker-than-expected earnings due to external shocks or unforeseen domestic developments could affect performance

NPS withdrawal norms: Greater fund access comes with onus to manage risk

Systematic Unit Redemption offers market-linked returns and deferred tax payment, but does not guarantee pension for lifetime

US-focused funds' outlook in 2026: Expect consolidation, moderate returns

US-focused mutual funds surged in 2025 on an AI-led rally. In 2026, expect consolidation and moderate returns; rebalance mega-cap tech exposure and invest in phases

Gold's outlook for 2026: Expect returns to moderate after scorching run-up

While existing investors should do partial rebalancing, new investors should enter in a staggered manner

Home loan balance transfer: Higher residual principal tenure drive savings

A high credit score is critical as it enables the borrower to secure the new loan at an attractive rate

Silver outlook for 2026: Demand drivers, supply limits may support prices

After a bumper run in 2025, silver's long-term case remains intact, but experts warn investors to brace for volatility and moderate returns as global conditions evolve

Belated return: Claim refunds, credits, carry forward house property loss

If you file an updated return later, you will have to pay interest and additional tax, and will not be able to claim refunds

Year-end fund review: Is underperformance cyclical or fundamental?

Temporary underperformance could be due to the fund manager's investment style not being favoured by the market currently; wait out such phases

Year-end portfolio review: Should you reduce weight of gold and silver?

Small deviations may be corrected by directing more money into underperforming assets like debt and equities

Rupee slide, overseas inflation key when planning foreign education

Factoring in only domestic inflation could lead to a shortfall

Don't be fazed by one-year return; ELSS long-term record is robust

Choose them for their strong wealth creation potential and short lock-in period, especially if you remain on the old tax regime, but don't judge them on past-year returns alone

Overseas investments via GIFT City funds: Strong rules, simpler taxes

Taxes on capital gains and dividends are paid at the fund level; investors do not pay

Travel insurance: If an airline cancels a flight, it pays, not the insurer

Policies typically reimburse cancellations for reasons such as medical emergencies, death of an immediate family member, or natural disasters

How to protect yourself from unsolicited cards, fraudulent transactions

Follow this complaint escalation path: Bank's grievance cell, ombudsman, consumer commission, and then civil or criminal court

RBI rate cut: Lock into prevailing FD rates before they decline further

Debt-oriented fund-of-funds, like income-plus-arbitrage funds and arbitrage funds are good options for debt fund investors

Maternity coverage: Buy early, cross waiting period before need arises

With waiting periods and sub-limits, experts advise early planning and careful policy checks to manage delivery expenses

Hiding foreign assets? Black Money Act provisions carry heavy penalties

Tax department warns of penalties, details how to revise returns by December 31 deadline

Motor accident claims depend on prompt filing, proper documentation

Overstating income or injuries, false implication, or missing hearings and notices can result in rejection

Bitcoin price correction: Stay calm and avoid locking in losses on exits

New investors entering now should be cognisant of high volatility, regulatory risks and cybersecurity threats

Multi-asset funds: Invest for diversified portfolio, tax-smart rebalancing

Multi-asset allocation funds offer diversification across equities, debt and commodities with tax-efficient rebalancing, but they can lag pure equity funds during strong bull markets, experts say