Sarbajeet K Sen

Another option is to switch to another lender who is willing to refinance at a lower rate

Returns of some schemes remain unchanged throughout the tenure, but can fluctuate in the case of others

Be, however, prepared for interim volatility and have a horizon of above five years

A quality-oriented flexi- or multi-cap can play a similar role in your equity portfolio

Equities, debt MFs and annuities should also be part of portfolio

While infra funds can offer good returns over long term, returns tend to swing wildly from one year to next

Mahila Samman Saving Certificate to be available for two years till March 2025, offers 7.5% return, with provision for partial withdrawal

Curtail discretionary expenses and avoid fresh loans amid the current uncertainty

Diversify across sectors and match your investment horizon with paper's tenor to avoid liquidity issues

Your portfolio will benefit from geographical diversification