Page 9 - Sanjay Kumar

Opportune time to diversify internationally as US benchmarks recover

Enter for the long haul as the US economy and market could witness turbulence in the months ahead

High expense ratio erodes mutual funds' net return, so monitor cost

If your distributor suggests moving from a low- to a high-cost fund, question the rationale of the move

Rs 2,000 note withdrawal: Do not panic, you're not back in November 2016

Those with accounted cash shouldn't worry; but be aware of SFT reporting thresholds, limits on cash transactions, and PAN requirement

Fractional ownership platforms make commercial real estate accessible

Until they come under Sebi's MSM REIT framework, retail investors must rely on their own due diligence when investing through them

Overseas debit, credit card payments up to Rs 7 lakh a yr out of LRS: Govt

These transactions will not attract tax collected at source

Business trips to be exempted from LRS changes, says finance ministry

Clarification on travel, education and medical treatment expenses to be issued later

Select small-cap fund manager with proven expertise in this segment

As a result, small-cap funds have garnered the maximum inflows among all equity categories in March (Rs 2,430 crore) and April (Rs 2,182 crore) 2023, according to data from the AMFI

This is how EPFO's calculator calculates pension on pro-rata basis

Under the old EPS pension scheme, basic salary cap is taken to be Rs 6,500 until Aug 31, 2014 and Rs 15,000 thereafter

Rules to returns: What to consider in opting for higher pension from EPS

Factor in both the size of your retirement corpus and the risks in this scheme before taking the leap

Use cost-effective and accessible group term plan to boost coverage

However, supplement this plan with an individual term policy for enhanced security

Want to benefit from downturn in interest rates? Go for a dynamic bond fund

Investors who don't want to take interest-rate risk may avoid these funds

Turn in US Fed interest rate cycle could drive Bitcoin rally forward

Investors with high risk appetite may take 2-5% exposure in their portfolios to this volatile, unregulated asset

Need quick credit for short tenure? Consider loan against fixed deposit

But if you require additional liquidity for long term, break the FD and borrow against another asset

Par for the course: Lock in returns for long term with non-par plans

Avoid these plans if you require liquidity in the short run

A novice from the court of St James

"Courting India" details the early stage of the British-India encounter, with a vivid account of the mission from the court of James I, offering insights into the complexities of trade in that era

Enter longer-duration lease to control hike in home rental rates

Go for house purchase if EMI doesn't exceed 40 per cent of net salary; ensure financial resilience with 12 instalments in emergency fund

Equity savings funds: Safe but not a perfect substitute for debt funds

While they could offer higher returns over three-five years, they would also be more volatile

There's action in passive funds, build your core equity portfolio with them

Some active fund managers will beat the index each year; don't exit passive holdings out of envy

Begin tax planning at start of financial year to avoid cash crunch later

Consider both income level and deductions you can avail of when choosing between old and new tax regime

RBI rate pause: Lock into best available FD rates, and ladder your bets

Debt MFs investing in quality papers and having average maturity of three-five years are good bets