Page 18 - Sanjay Kumar

Want low-interest loan this festive season? Need a credit score over 750

In fact, you should monitor your credit score regularly because if it is low, it will take time to improve it

Tips to help you make a safe start if you're new to the equity markets

New investors should make a staggered entry into markets with minimum 5-year time period and diversified exposure

With dengue cases on the rise, a cover for vector-borne diseases is a must

Such a plan make sense especially for those who are unable to obtain a comprehensive health cover

How to learn from setbacks

Readers should pay heed to the chapter in which Mr Erikson spells out the four stages through which one passes when trying to learn something new

Scrutinise the deals and discounts while buying a house this festive season

Be guided by more crucial considerations such as the budget, the location, and the projects that are right for you

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

It can act as hedge against high inflation or slowdown

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

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

Benefits offered by OPD cover should be in line with your family's needs

If OPD coverage is built into a policy, or is offered as a rider, the limit will be specified

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

Global innovation funds are for savvy investors, say analysts

Invest in a diversified global fund before taking limited exposure to a thematic offering

P2P lending is for those with a high risk appetite, say analysts

Limit lending amount and diversify among borrowers

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

Term insurance plan: Automating increase in sum assured could prove useful

To raise your life cover considerably, buy a second term plan

Cap on term deposit while opening bank locker will end arbitrariness

Your bank will bear limited liability for the contents of your locker, so buy insurance

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

Banks are auctioning 2,362 properties in next 30 days. Grab one for a song

But get a thorough title check done and ensure there are no outstanding dues

Focused funds are for investors seeking alpha: Should you invest?

Consider these funds after you have a core portfolio in place

Investors should use correction to build exposure to gold: Analysts

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

Distilled wisdom from investment legends

Some of the legendary money managers featured in the book are Mohnish Pabrai, Howard Marks, John Templeton, Joel Greenblatt, Nick Sleep, Charlie Munger, and a few others

Why it is not so easy for a retail investor to make money in an IPO

Allotment could be low, and expected listing-day gains can quickly morph into losses if sentiment takes a turn for the worse