Page 4 - Karthik Jerome

Fixed Deposit investors: Stagger FD investments to catch peak rates

While some portion of your money should go into longer-tenure FDs offering higher rates, diversifying across maturities is also essential

Bet on IT funds to gain from digitisation, generative AI adoption

Limit allocation to 10% of equity portfolio and enter with a five to seven-year horizon

Getting a credit card is easy but closing it needs a checklist of tasks

Get a confirmation letter from issuer confirming closure, ensure it says you have no dues

Compare features, costs regularly to find a better health insurance

Combine base policy with super top-up, buy multi-year policy to cope with rising health insurance premiums

Check issuer's finances, debt repayment record before investing in bonds

Diversify across bonds with different credit ratings and hold them till maturity

Customise insurance riders to fit your family's medical background

Understand the exclusions in each rider; consider a standalone policy for comprehensive coverage

Sector & thematic funds: Prospects, not past returns, should be your guide

Monitor these funds closely and be quick to exit, instead of trying to chase the last rupee

Beware of parcel fraud: Suspect a scam call? Disengage immediately

Verify the call's authenticity; resist pressure to pay up or share sensitive information

Door opens for senior citizens to get health insurance: What they should do

Seniors must strike a balance between premium and co-pay; too low a premium could mean high co-pay, which would pinch at the time of claim settlement

After Bitcoin's massive price surge, book partial profit if overexposed

At current elevated prices, prospective buyers should opt for staggered purchases

Amid varied risk levels, review portfolio before choosing credit risk fund

Only investors with high risk appetite should opt for them; limit allocation to 5-10%

Top-up home loans work best when repaid quickly; avoid overleveraging

Avoid overleveraging or using these funds to finance non-essential lifestyle expenses

Bypass MFs' foreign investment limits, access wider product menu via LRS

Consider this route after developing a robust domestic portfolio and if you can invest minimum $50,000 annually

More dependants, increased liabilities should prompt hike in term cover

Boost health coverage periodically to cope with double-digit medical inflation & access premium healthcare facilities

Experts suggest to keep low-cost Nifty 50 index fund at core of portfolio

If risk appetite permits, consider active midcap and smallcap funds, and factor funds in satellite portfolio

The financial year is ending: Here is what you must do for your investments

Avoid triggering taxation during portfolio rebalancing by buying more of underperforming asset class

Long-duration funds: 6-12 months for tactical, 10+ years for long term

Those with a medium-term horizon run the risk of getting caught in a rising rate cycle

Banks to insurers: Using the ombudsman system to get complaints resolved

A guide to how banks, insurers, brokers and tax officials are supposed to listen to you

Reduce liquidity risk in smallcap, midcap funds with asset allocation

While the bulk of midcap funds that have declared their results will be able to liquidate 25 per cent of their portfolio within three days, only about half of the smallcap funds would be able to do so

Long lock-in, but safe investment: What NPS can do for your financial goals

NPS is an excellent product for retirement planning, provided you stay put till maturity