Sanjay Kumar Singh

Silver's performance may continue if global economy avoids recession

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

RBI rate pause: Lock into best available FD rates, and ladder your bets

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

Allocate to US-focused funds despite shifting tax landscape: Experts

Capitalise on the geographical diversification and currency hedge they offer

Home truths: High loan rates and job losses threaten price growth

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

Why debt funds may still score over bank FDs and bonds despite tax parity

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

Keep your money safe: Stick to systemically important banks for safety

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

As courts get strict on contract reading, customers must be wary

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

To cover mental illness, buy health insurance policy offering OPD coverage

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

Abating pricing pressure in US market good news for pharma funds

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

How wholelife plans can help transfer tax-free wealth to next generation

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

Personal finance 101 from an industry veteran

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

Pension will be higher under EPS but will come at a cost: Should you opt?

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

Only investors with a long horizon should enter mid- and small-cap segment

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

Explainer: New EPS rules and why higher pension will come at a cost

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

Invest bulk of debt portfolio in funds that have 2-5-year average maturity

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

Realty check for luxury housing after crucial change in tax structure

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

Prepay at least 5% of your home loan each year to tackle rising rates

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

Rely on term plan-MF combo instead of going for traditional plans

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

For insurance cover against cancer, maintain high sum for hospitalisation

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

Get a lower rental rate with higher deposit, longer-term lease agreement

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