Page 5 - Bindisha Sarang %c2%a0%c2%a0

Prioritise life coverage, financial aims when delving into ULIP investments

Term plan plus MF combo offers greater flexibility and liquidity

Profit booking: Choose small tweaks in equity allocation over drastic shift

Do not leave the money idle, redeploy it in high-quality fixed-income instruments

Financial risk, reward, goal: Here's the right way to book profit

Don't try to excessively time the market or exit an investment because others have done so, say experts

Pre-empt disputes between nominee, legal heirs by drafting a will

A nominee's job is only to hold a deceased's asset temporarily until the legal heirs claim it

TMFs: Capture current high yields by staying invested till maturity

Select a fund with a longer duration to gain from possible rate cuts next year

Leverage HUF to max tax benefits by distributing income, availing deduction

By distributing income and availing of deductions, it can facilitate tax savings

Are you facing short-term credit issues? Opt for a secured credit card

Invest in liquid and short-duration funds to finance short-term spending goals

Will or gift: The better way to transfer assets to the next generation

A gift deed comes into play when finalised and a will for transfer one the death of property owner

With small & midcaps outperforming, direct more money to largecaps: Experts

Rebalancing by allocating more to an underperformer will help you avoid tax liabilities

Special Marriage Act: Only wife entitled to permanent alimony & maintenance

Children of marriages under this Act are not entitled to a share in ancestral property, only to parents' self-owned or inherited property

2.5% interest, tax exemption on maturity make gold bonds attractive

But there's a lock-in of five years and investors lose tax exemption if they exit prior to maturity

Update your nominations, review credit report before the year ends

Ensure that loans are properly closed and documents submitted to the lender returned

Now, senior citizens can enjoy high and guaranteed returns for long term

Since there are penalties for premature withdrawal, take liquidity needs into account

Sovereign green bonds for NRIs offer credit-risk-free returns in long term

Investors should be mindful of exchange rate risk and limited liquidity in secondary market

Retirement planning for self-employed: Invest in NPS, PPF and MF SIPs

Instead of reinvesting all surplus in business, invest a part in accumulating a corpus

Plan in advance for high costs of IVF, surrogacy; consider insurance

Couples opting for surrogacy must bear medical expenses, buy health insurance for the surrogate

Fertility care needs financial planning: What to do for insurance, funding

Couples contemplating surrogacy must know about their legal obligations

Breach alert: Key steps to verify if your data has been compromised

Lock up Aadhaar biometric; in future keep a close tab on SMS inbox, financial statements, credit report

Planning to buy a car? Minimise tenure, maximise down payment on loan

Selling the old car independently, rather than going for an exchange offer, may fetch better value

Prioritise paying off high-cost debt with Diwali bonus you receive

It would also be prudent to channel some of it into replenishing emergency corpus