Gold, debt funds, insurance: What to do with your investments in FY24

With the spreads on home loans coming down, those who have a good credit score should consider refinancing

The start of a new financial year is an appropriate time to review your investment, insurance and loan portfolio. Many issues crop up within these portfolios inadvertently. An annual review can mitigate these issues before they balloon into major problems.

Equities have underperformed

Equity funds have performed poorly over the past year. “Most investors who entered equity funds in the past two years have not made money,” says Deepesh Raghaw, Sebi-registered investment  advisor (RIA) and founder, PersonalFinancePlan. Many investors who switched from conservative to aggressive portfolios after the bull run of 2020-2021 would be regretting that move.

Avoid discontinuing your