Page 13 - Sanjay Kumar

Prepay home loan to tackle 190-bps rise in repo rate since May: Experts

If you don't have a surplus, opt for higher EMI rather than longer tenor

Buy an adequate OPD cover to take care of mental health treatment

Most of these ailments are treated on outpatient basis, so just a hospitalisation cover won't suffice

What borrowers should know about their rights against loan recovery agents

People who fail to repay their loans are not criminals and they can't be harassed

Assess maximum possible loss before entering F&O trade: Experts

Have sufficient capital as buffer to be able to meet additional margin requirements

Stay invested in US funds even if returns aren't attractive currently

It helps to diversify geographically; while YTD returns of Indian markets are positive and US markets negative, the opposite will also happen at some other time

The rise and rise of passive investing

With the passive investment revolution upon us, Robin Wigglesworth's book offers a useful guide

Don't change your pension fund manager unless investment lags others

Currently, variability in performance for investor portfolios over five-year horizon is low

E-registration of property promises freedom from long queues, touts

However, the procedure is currently limited only to primary sales in Maharashtra

AT-1 bond returns are attractive compared to FDs, but factor in the risks

Their spread over G-Secs of comparable maturity have also declined compared to historical averages

Consider G-Sec STRIPS to lock in returns for very long tenures: Experts

Since this is a nascent category to invest, there could be liquidity risk

Lacking discipline to stay invested? Retirement funds are a good option

Others should invest in pure equity and debt funds, or go for EPF and NPS

Consider loss of cover, deductions before surrendering life insurance plan

If your income is likely to revive soon, consider taking a loan against the policy instead of surrendering it

Don't turn complacent, consult experts if builder claims nods are in place

First, carry out the necessary checks of the plot on which the project stands

Near-term outlook bleak: Enter silver with a horizon of at least 2-3 years

Industrial recovery, higher demand from new age technologies could propel a turnaround

Invest in MNC funds for exposure to high-quality businesses: Experts

Since valuations are higher in this space, a 7-yr horizon with 10% capital outlay can be looked at

Begin locking into best FD rates available, take limited exposure to SFBs

Since predicting peak rate is impossible, deploy in tranches over the next few months

Prep for curtailed lifestyle change at start: Entrepreneur Munish Randev

Munish Randev, founder and CEO, Cervin Family Office and Advisors, shares what it takes to start a new business

How to plan your finances before you take the leap into entrepreneurship

Creating an adequate reserve, reduce the risk in your investment portfolio, and buy sufficient life and health insurance

Buy zero-cost term plan if you are keen on a return, say experts

If not, stick to a plain-vanilla plan and invest the surplus in mutual funds

Highs and lows of life as a VC

One of the book's most engrossing chapters is about a company called HealthSouth on whose board the author served for several decades