Page 5 - Your Money

Investing in microcaps: Limit exposure to 5-10%, enter with 5-7-yr horizon

High volatility, low liquidity, and corporate governance are risks investors need to be prepared for

NRIs face residency test upon India return, must stick to 182-day rule

Given the lack of legal clarity in India around status, assuming they are residents immediately after return could invite penalties and prosecution

Credit report: Check quarterly to spot repayment lapses, errors, and fraud

In case of inaccuracies and fraud, report both to the lender and credit bureaus

Liquid funds: Check long-term ratings for clearer view of portfolio quality

Assess the track record of the fund during past liquidity incidents

Earnings recovery can revive value funds, invest with 5-year horizon

Allocation to these funds is essential for style diversity within portfolio

REITs promise stable income, but investors must brace for volatility

REITs invest mostly in offices and malls and are regulated by the Securities and Exchange Board of India (Sebi)

Term insurance plans for NRIs: Ensure policy offers global coverage

Verify insurer's claim settlement ratio, review sum insured limits, and check if medical examination can be done over video

Gold scales new peak; existing investors should book partial profits

New ones should stagger purchases to avoid timing risk

Home insurance claims: Begin repairs only after surveyor's inspection

Non-disclosure of property extensions, late intimation, and incomplete paperwork may reduce or void claims

Treasury bills: Use SIP to smooth rate volatility, invest steadily

Investors with regular income, short-term goals, and a strong need for capital preservation may go for T-Bills

Want expert to decide fund picks, allocation, rebalancing? Go for FoF

Remember that these funds come with a double layer of expenses

Special Opportunities Funds: For seasoned investors open to higher risks

Suitable for seasoned investors willing to take higher risks

Lender loses property documents: Apply to sub-registrar for title copies

Before you can do so, the bank must issue a non-traceable certificate, file an FIR, and publish a public notice in newspapers on your behalf

Crypto security: Keep assets in self-custody, use insured exchange

Those holding crypto keys in a cold wallet must store seed phrases offline in a secure location

Hit by falling FD rates? Consider these funds with 3-year horizon

Hit by falling FD rates? Consider these funds with 3-year horizon

Algo trading by retail investors: Trust back-tested data, not hype

Invest a small amount, observe performance, then scale up gradually

Balancing coverage and affordability in senior citizens' health insurance

Combining base policy with super-top-up can also help make premiums manageable

Sending money abroad: Choose platform that discloses exchange rates, fees

For the same amount remitted, compare how much the recipient will get across different service providers

Multi-factor funds: Opt for quant model-run fund to eliminate manager risk

Be mindful that these funds do not have a track record, and changing market conditions can render a model obsolete

Bitcoin rally: Cap crypto exposure at 2-5% of portfolio to manage risk

Be mindful of hacking risk and lack of regulatory clarity in India vis-a-vis these assets