Page 23 - Investment

Don't bet on value funds in a rising market

In a growth market, these funds should not form more than 10-15% of your portfolio. Invest with a horizon of at least 5 years

Buy good stocks, not sectors

Large-cap scrips are still trading at a discount to mid-caps. While this gap is expected to narrow, investors should take a stock-specific approach in the current market

Case study

Direct plans a better choice

While KYC checks could be cumbersome, there are platforms offering single KYC and online investment in direct mutual fund plans

Debt counselling: Sanjay Agarwal

Wallet frauds on the rise

This can happen due to a malicious app, a weak password or loopholes in the system

Rate cuts in March-April?

Investors would remain cautious in the current environment, even if these do happen

Seeking value in the market

Buying a stock cheap does not translate into value buying. Be careful before investing

E-KYC made easier using Aadhaar

For equity investors, there will be an additional requirement of a PAN card and a cancelled cheque

Why bonds are the best way to invest in gold

Other than offering returns at par with the price of the yellow metal, one can also use these as collateral

Realty check: Budget - Rs 1-1.5 crore

Case study

Dealing with underperforming assets

Barring some adjustments, sit tight and ride out the market downturn, without doing anything rash

Be practical about philanthropy

A trust or Section 8 company works best for families. For a group of like-minded people supporting the same cause, opt for a society structure

Readers' Corner: Life Insurance

Amitabh Chaudhry, managing director & chief executive officer, HDFC Life, answers your questions

Renewal does not mean changing of policy terms

Insurance companies cannot change policy conditions at the time of renewal. Such changes without consent of the insured are illegal

Making the most of cashbacks

In an open wallet, these schemes can be used for different types of purchases or payments. Others might have restrictions on the amount and usage

Is this near-bottom for manufacturing?

By contrarian logic, capital goods, the most beaten down sector, might have the biggest upside

Times are bad but keep faith

Investors should build their equity portfolio in times like these and even start a Systematic Investment Plan

Don't rush to buy gold just yet

While global uncertainty has led to a rise in prices in 2016, there is still a lot of doubt regarding its future