Page 6 - Your Money

Aggressive hybrid funds suit moderate-risk investors with long-term goals

Such funds are not entirely immune to volatility due to their considerable equity allocation

Loan against shares: Have emergency funds ready to handle margin calls

Borrow 20-30% below maximum eligibility to avoid frequent margin calls

Cashless facility suspension at hospitals: Keep cash, credit access ready

Submit claims promptly with invoices and receipts to reduce risk of delays, rejection

Unclaimed deposits: Heirs must produce succession certificate or probate

For modest balances, banks may accept a legal heirship certificate with indemnity bond

Festival home-loan offers: Prioritise long-term savings, avoid teaser rates

Compare the full cost of the loan rather than focusing solely on interest rates

Medical negligence: Documentation, expert opinion key to court success

The complaint must be filed in the right forum and within the limitation period

Invest in Conglomerate Funds for full cycle, limit to 5% allocation

Conglomerate firms are resilient, but risks in one unit can spill across the group

H-1B visa fee hike hits IT funds; investors urged to stay long-term

Fee hike could accelerate offshore delivery, improve competitiveness; AI adoption, re-skilling initiatives expected to provide medium-term growth opportunities

Tax notice? Joint owners must save documents showing who funded asset buy

At the time of purchase, both sides ought to make a formal declaration of beneficial interest and financial contribution

Direct equity inflows decline: Focus on key fundamentals, not panic

Replace underperformers with quality, well-researched stocks

Money mkt funds can yield better returns than liquid funds in 6-12 months

Before investing, check the proportion of A1+ holdings and their composition

Midcap funds: Invest amid valuation comfort, strong earnings growth outlook

Enter with 10-year horizon; exposure can range from 20-40 per cent of portfolio, depending on risk appetite

Margin trading: Track trades, set stop-losses, focus on quality stocks

Be on the alert for margin calls, have liquidity for top-ups, especially in volatile markets

Loan against insurance: Compare with FD, gold, and top-up loans

Remember, if surrender value falls below dues, the policy is foreclosed, leading to loss of coverage

Buyers investing in agricultural land must adhere to state-specific rules

Some states allow only agriculturists to buy, while others require outsiders to secure approval prior to purchase

Buying home: Choose based on urgency, risk appetite, and financial capacity

Go for ready home if you need to move in instantly and can pay full EMI; under-construction if you prefer phased payments and can tolerate construction risk

Switching health policy? Seniors must secure written assurance on benefits

On receiving the policy document, check fine print to ensure the commitment has been fulfilled

Silver outlook: Book profit and rebalance if allocation exceeds 5-7%

New investors should enter in a staggered manner with an over five-year horizon

Secure and cared for: The rise of senior living communities in India

Market is rapidly expanding but moving to these premium communities requires careful financial and emotional consideration

Credit risk funds: Opt if net yield premium over safer funds is substantial

Investors with high risk-bearing capacity may allocate 5-10% of their fixed-income portfolio