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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Himali Patel
9
Articles
Articles
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
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
Repay loans on time, keep credit utilisation below 30%, and avoid too many applications within a short period
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G-Secs gain popularity: Match investment horizon with tenor to reduce risk
Reinvestment risk can be dealt with by laddering investments
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Consumption funds: Hold if you can withstand volatility, invest for 5 yrs
New investors should stick to diversified equity funds; if they invest, they should take limited exposure in satellite portfolio
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Diversify your portfolio to guard against asset class leadership rotation
Investors can reduce the volatility that can arise from high exposure to a single asset class and earn sound risk-adjusted returns using a periodic table
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