Sanjay Kumar Singh

Beware of its volatile nature and don't invest more than 5% of your investment portfolio in it

Debt MFs investing in quality papers and having average maturity of three-five years are good bets

Capitalise on the geographical diversification and currency hedge they offer

But if rate cuts begin and layoffs are limited, the housing market could repeat FY23 showing next fiscal

Experts feel debt MFs will be more relevant in a falling interest scenario and work well for those who aren't sure about their investment horizon

Be wary of co-operative banks which have historically been most vulnerable

Consumer courts offer a simple and cost-effective avenue for addressing these issues

Industry regulator nudging companies to underwrite policies that include people with mental illnesses

While the risk from USFDA strictures remains, aggressive investors may take limited bets with 5-7-year horizon

The policies provide cover till age 90-100 years; if payout comes as death benefit, it will be tax-free in the hands of nominees

The Bee, the Beetle and the Money Bug is a welcome addition to the rather sparse list of books that attempt to equip readers with the fundamentals of financial planning

Be prepared to claw back from EPF to EPS if you go for joint option scheme

After the outperformance of the past three years, they should be prepared for modest returns in the near term

Employees need to weigh the pros and cons before opting for a higher pension; EPFO also needs to clarify how the higher contribution to EPS will be funded

Avoid exiting from the category as most of the pain caused by rate hikes is behind us

Deduction can be availed of under Section 54 and Section 54F in the same assessment year, thereby enhancing total limit, say tax experts

With rates cuts unlikely anytime soon, debt mutual fund investors should avoid duration calls

Don't fall prey to the hard-selling of traditional plans that is likely to end after March 31

February 4 is World Cancer Day: here is advice on how meet ancillary expenses in treating disease

Avoid paying more than 15-20 per cent of post-tax salary as house rent