Page 8 - Sanjay Kumar

Higher EMI or longer tenure? Go by your financial wherewithal, say experts

Currently, a floating-rate loan appears a better bet than a fixed-rate peer

For car loan, check lenders on their total borrowing cost and service

Select companies that offer easier terms for repayment of the loan

CBDT issues detailed guidelines on taxation of traditional policies

The Finance Act, 2023, had amended Clause (10D) of Section 10 of the Income-Tax Act, 1961

Switch if you can find 50 bps cheaper home loan; lock into current FD rates

Some lenders have lowered their rates over the past couple of months by reducing their spreads

Longer-duration debt funds: Tactical bets are for high risk takers

Long-term investors who want near-certain returns may opt for a target maturity fund that invest in gilts

Student travel insurance cover: Buy before setting off to study abroad

But ensure that your policy aligns with your foreign university's requirements

Party over? If overweight, pare exposure to US technology companies

Allocation to it should not exceed 25% of your total exposure to country's market

Storytelling as a career tactic

If you are keen to master the skill of effective communication, Sandeep Das's book offers expert tips for a quantum leap in your abilities

Limit exposure to pharma and healthcare funds to 5% of equity portfolio

Improving US generic market outlook is driving the current rebound, but brace for periodic drawdowns

Rush for cover: For claiming insurance on flood-damaged home, act on time

Do not start a flooded car as it could cause further damage that may not be covered by your motor policy

Avoid going overweight on equities, especially hot themes and sectors

Also refrain from exiting the market in the hope of re-entering at a lower valuation

Why balanced advantage funds are back in the reckoning with investors

People moving from fixed-income should use them as a stepping stone into the equity markets

Onus on taxpayers to make correct declaration about LRS remittances

TCS on LRS will also apply to remote education and medical consultancy

Reimagining value investing for the tech era

In his book, author and fund manager Adam Seessel makes a strong case for embracing the transformative power of technology stocks in order to stay ahead in the market

Want immediate insurance coverage for diabetes? Apply for a customised plan

Though costlier, they offer coverage for both type I and II diabetes, and to those with high levels of HbA1C

Tech use, reviews, rating: What to look for when picking a stockbroker

List your requirements and shun firms with a high number of complaints against them

Sun Life Asia Service Centres rebrands itself as Sun Life Global Solutions

The GCC plans to increase headcount by about 700 this year in India

Prioritise retirement security, withdraw from NPS only in emergency

Since access to NPS corpus is restricted, build emergency fund, diversify into equity and debt MFs

Course, institute determine lender's willingness to offer an education loan

A co-borrower with a good credit score and adequate collateral can expedite approval

Multi-asset funds: Diversified portfolio ensures smoother experience

Exposure to too many of these funds can make it difficult to control asset allocation or have a unified strategy