Gold loan stress rising: How to avoid a debt trap and manage repayments
Rising repayment delays and tighter renewal rules underline the risks of using gold loans to manage existing debt
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Karthik Jerome
13
Articles
Articles
IPO offer document: What to read, what to skip when assessing fundamentals
Do targeted reading of the prospectus to assess an IPO on fundamentals
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How to pick a car loan this festive season: EMI, tenure and prepayment tips
Cap total equated monthly instalments at 40 per cent of take-home income, choose a manageable tenure, and check prepayment terms
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Check costs, overlap with existing portfolio before buying a total mkt fund
The decision to invest in these funds should depend on how much control you want over market cap allocations
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Check authenticity and costs before buying art; keep allocation small
Commit only money you can leave invested for years
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Term plans with return of premiums: Count the real cost before you buy
Compare the higher premium with pure term cover, factor in inflation, and examine lapse and surrender terms
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₹1 crore retirement benchmark loses ground as Indians reassess needs
Only 51 per cent of households earning more than Rs 15 lakh consider Rs 1 crore sufficient, as Indians report accumulating just 28 per cent of their target corpus
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High-yield bonds: Understand risks before chasing double-digit returns
High-yield bonds can offer double-digit returns, but investors must weigh default, credit, liquidity and concentration risks before chasing higher yields
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