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Author

Himali Patel

15

Articles

Articles

Choosing a balanced advantage fund? Look beyond returns to strategy, risk

Choosing a balanced advantage fund? Look beyond returns to strategy, risk

Balanced advantage funds are raising equity exposure, but investors must assess allocation models, portfolio risks and downside protection-not just past returns

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Gold surges 9.6% in a month: Should you invest more or book profits?

Gold surges 9.6% in a month: Should you invest more or book profits?

Avoid chasing the rally; stagger fresh investments and rebalance if gold exceeds your target allocation

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Retail traders' F&O losses stay high: How investors can limit the damage

Retail traders' F&O losses stay high: How investors can limit the damage

Nearly 88% of individual F&O traders lost money in FY26. High leverage, frequent trading and behavioural mistakes can amplify losses, making disciplined risk management essential

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Unclaimed deposits: How heirs can trace and claim the money from banks

Unclaimed deposits: How heirs can trace and claim the money from banks

Forgotten bank deposits can remain claimable even after transfer to the DEA Fund. Knowing how to search UDGAM and navigate nominee or legal-heir rules can make recovery easier

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GIFT City Outbound Funds: With international funds closing down for SIP

GIFT City Outbound Funds: With international funds closing down for SIP

With international mutual funds shut for fresh SIPs, GIFT City IFSC funds offer Indian investors a new route to global diversification through the LRS framework

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Should investors choose passive funds for smallcap market exposure?

Should investors choose passive funds for smallcap market exposure?

While active smallcap funds have traditionally outperformed benchmarks, passive and smart-beta options offer lower costs and diversified exposure. The choice depends on investor preference and convict

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Real estate: Flexible payment plans offer ease but carry hidden costs

Real estate: Flexible payment plans offer ease but carry hidden costs

Those choosing such plans may also forgo the 8-10 per cent savings often available under down-payment option

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Gold bars, coins: Factor in premiums, making charges and GST costs

Gold bars, coins: Factor in premiums, making charges and GST costs

Indians continue to favour physical gold for tradition and security, but ETFs offer a more efficient, low-cost route for long-term investment

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Annuity plans: Compare payouts from various options, understand trade-offs

Annuity plans: Compare payouts from various options, understand trade-offs

To tackle inflation, consider hybrid or increasing annuities, or combine fixed annuity with mutual funds; for legacy planning, opt for return-of-premium options

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Display steady credit behaviour for 3-6 months for easier card approval

Display steady credit behaviour for 3-6 months for easier card approval

Repay loans on time, keep credit utilisation below 30%, and avoid too many applications within a short period

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