Sarbajeet K Sen

Make part-prepayments to cut home loan tenor, but don't use retirement fund

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

Small savings schemes: Pay heed to return, taxation, and lock-in

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

Investors should make staggered investment in long-duration funds

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

MNC funds suit investors looking for steady compounder: Should you invest?

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

Retired couples can earn Rs 8,00,000 from select govt investment schemes

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

Large Budget allocation to infrastructure makes theme attractive

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

Union Budget 2023: SCSS, MIP investment limit doubled, new scheme for women

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

Cut financial flab to navigate your way through a turbulent job market

Curtail discretionary expenses and avoid fresh loans amid the current uncertainty

Investors should avoid NCDs rated below AA despite mouthwatering returns

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

Maintain exposure to US funds in face of recent underperformance

Your portfolio will benefit from geographical diversification