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4 weeks ago | 
rediff.com | Sanjay Singh |Karthik Jerome
'Switch out of an active fund if there is consistent underperformance.'The expense ratios of several equity mutual funds have increased between September 2024 and March 2025, according to media reports. Investors should avoid knee-jerk reactions and respond to changes after proper thought. QUESTIONS ABOUT INVESTMENT? ASK rediffGURUS!Why are fees increasingTotal expense ratio (TER) is calculated by dividing the expense incurred on a fund by its assets under management.
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4 weeks ago | 
flipboard.com | Sanjay Singh |Karthik Jerome
5 hours agoTimeline is a big issue.” Speaking at the annual business summit of the Confederation of Indian Industry (CII), AP Singh, the Indian Air Chief Marshal, flagged several issues crippling the indigenous projects in the country. His remarks indirectly referred delays in delivery of Tejas Mk1A by …
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1 month ago | 
rediff.com | Sanjay Singh |Karthik Jerome
'Investors' decisions should reflect their financial goals, risk tolerance, and the amount of gold already present in their portfolio.'Kindly note the images in this feature have only been published for representational purposes. With the yellow metal recently scaling the ₹1 lakh mark, even ardent gold investors are in a dilemma: Should they continue to invest, or is it time to cash out?
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1 month ago | 
rediff.com | Sanjay Singh |Karthik Jerome
Targets should avoid panicking and hang up. 'Disconnecting stops the scammers from building psychological pressure.'An 86-year-old Mumbai resident was held under digital arrest for two months, during which Rs 20 crore was extorted from her, according to a recent media report. She was accused of money laundering, forced to attend fake court proceedings online, and ordered to remain at home, with the scammers checking every three hours to ensure compliance. QUESTIONS ABOUT MONEY?
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2 months ago | 
rediff.com | Sanjay Singh |Karthik Jerome
With the RBI infusing Rs 7.5 lakh crore in liquidity -- and possibly more in the future -- the short- to medium-term corporate bond market is expected to benefit. IMAGE: Kindly note the image has been posted only for representational purposes. The Reserve Bank of India cut the repo rate by 25 basis points (bps; 100 basis points = 1 per cent) to 6 per cent on April 9, its second consecutive reduction following the 25-bps cut on February 7.
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2 months ago | 
rediff.com | Sanjay Singh |Karthik Jerome
One should avoid keeping excessive funds in one's savings account. IMAGE: Kindly note the image has been posted only for representational purposes. HDFC Bank has reduced its savings account interest rate from 3 per cent to 2.75 per cent. Several other large banks also offer interest rates below 3 per cent. Given such low returns, savers need to manage their short-term money more efficiently. QUESTIONS ABOUT MONEY? ASK rediffGURUS here!Maintain limited balanceA savings account offers convenience.
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2 months ago | 
rediff.com | Sanjay Singh |Karthik Jerome
'Go for a base cover of Rs 10 lakh and then buy a super top-up of Rs 90 lakh.'A significant number of individuals who purchased their health insurance policies nearly a decade ago have not revised their sum insured, which continues to remain at the original Rs 2 lakh to Rs 3 lakh. With medical inflation averaging around 14 to 15 per cent annually, such coverage is now grossly insufficient. "The average cost of hospitalisation for 2.5 to 3 days can come to Rs 1.5 lakh to Rs 1.75 lakh.
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2 months ago | 
rediff.com | Sanjay Singh |Karthik Jerome
'The rise in SIP contributions has created a pool of long-term MF assets that can be pledged for loans.'Loans against mutual funds (MFs) are gaining traction among retail investors, who now recognise the value of staying invested for the long term. Rather than redeeming MF units during a cash crunch, many are opting for loans against them. Growing popularityPreviously, availing these loans was a cumbersome physical process that took five to seven working days.
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Mar 19, 2025 | 
rediff.com | Sanjay Singh |Karthik Jerome
Market downturns or regulatory shifts can reduce liquidity, making it harder to buy or sell assets when needed. Kindly note the image has only been posted for representational purposes. United States President Donald Trump on March 2, 2025, announced the creation of a US crypto strategic reserve comprising Bitcoin, Ethereum, XRP, Solana, and Cardano. This move is being seen as a major step towards legitimising cryptocurrencies and one that could trigger a bull run in this asset class.
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Mar 18, 2025 | 
business-standard.com | Sanjay Singh |Karthik Jerome
Smallcap funds have declined 21.6 per cent over the past three months. Many investors, who were highly bullish on this segment during the bull run of 2023 and 2024, are a shaken lot today. They must adopt the mantras of asset allocation and long-term investing to weather this phase.
