Page 10 - Personal Finance

Don't delay retirement planning; estimate corpus as first step: Experts

Use a mix of equity funds, PPF, EPF and NPS; review and correct course periodically

Use the current phase of correction to build your allocation to gold

It can act as hedge against high inflation or slowdown

Investing in cryptos? Divide holdings between hot and cold wallets

Keep the cryptos required for trading in the former and the balance in the latter

With yields hardening, its best to opt for shorter-duration funds

Shorter-maturity bonds in these funds get reinvested at higher coupon rates

Choose a fuel co-branded card that offers wide coverage, great rewards

Since these cards have high interest charges, avoid using them when you wish to revolve credit

Choosing the right financial planner is a wise investment, say experts

Discussing scope of work will enable the registered investment advisor to decide the right fee

Compare premium rates to get a policy that best suits your pocket

To combat tighter underwriting standards, consult a distributor that could point you towards an insurer that covers people with your profile

'AA'-rated NCDs: Risky to focus just on returns, say analysts

Limit exposure to 5-15% of debt portfolio, avoid investing for very long tenures

Things to keep in mind while filing your income tax return this year

Ensure you file your returns ahead of time, in case you need to make changes

Bonds beckon as equity holdings get risky after rally, say experts

With interest rates expected to rise, it may be prudent to avoid long-term options, say experts

Attractive though they are, scrutinise costs before you invest in Ulips

After the recent run up in equity markets, it would be prudent to opt for a mix of equity and debt funds

Employee stock options: Postpone sale of shares if firm plans to list

Extend holding period so that you pay tax on long-term capital gains as it will reduce the outgo

NRIs should apply to I-T dept for relief from double taxation: Experts

If they have lost non-resident status because of enforced stay in India, this can bring them some reprieve

Use only 'mad money' to invest in fads

Investors with a compulsive need to participate in any ongoing action should do so by having a 'mad money' allocation-money they can afford to lose

Split portfolio into various segments to keep cash flow at retirement

Use equities to keep your wealth growing, fixed-income instruments and annuities to generate cash flow

Insurer must pay declared value for total loss

The National Commission agreed with the State Commission's view that neither party had managed to prove that the price mentioned by them was the last market price

GIFT City route to international equities promises greater security

Only sophisticated investors should take this route; most retail investors should stick to the mutual fund route for international investing

Investors should use correction to build exposure to gold: Analysts

Your portfolio needs a hedge against the risks of growth slowdown and inflation

US-focused funds can deliver despite long bull run, say analysts

Invest with at least a seven-year horizon, via SIP, and limit exposure to 15%

Defer income-tax filing if you have to pay a penalty, say analysts

Do so once the glitches on the new tax portal have been ironed out