Should you go for investment products that come with lock-in?

Uncertain financial situation and the market dynamics coupled with a bleak economic scenario are prompting people to take a hard look at their investment options. Investors are especially concerned about products with long lock-in periods, say five, 10 or 15 years. Many are wondering whether it is the right time to lock funds for the long term. Read more to know what you should do if you are in a similar situation. Enhance your liquidity position Considering job losses and pay cuts in the wake of the covid-19 pandemic, financial…

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Private investment in infrastructure must go up

In addition to financial sector reforms, funding infrastructure through private sector participation needs reforms in the contracting mechanism.(AFP) The Bharatiya Janata Party (BJP) manifesto promises to spend Rs 100 lakh crore on infrastructure in the next five years. This can only happen if there is an increase in private participation, for which India needs to undertake financial sector reforms that encourage the creation of a pool of domestic long-term savings to be invested in infrastructure projects. The scale of investment targeted is more than what can be done through government…

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Three investment tips on Father’s Day that can never go out of fashion

Patience is considered a trade virtue and more often than not is something that is lacking in most investors. Our parents managed money is such a way that it took care of the entire family and its needs. What did they do right? And where are we going wrong? This Father’s Day, let’s try to unravel the mystery. Maybe we would find some clues hidden behind the advice, rebukes, instructions that were a part of our growing up days. “Can we do it differently?”  “Can we do it differently”, how…

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Your summer Goa trip can go horribly wrong. Take these precautions

With the mercury shooting through the roof, Goa’s private lifeguard agency issued on Thursday an advisory for the hundreds of thousands of tourists and locals who head for the beaches in summer, especially in May, when the temperature in the coastal state peaks at 38-40 degrees Celsius. The advisory asks tourists to look out for rip tides and powerful underwater currents that are a major cause for drowning off beaches — a regular phenomenon in summer, while also advising swimmers and beach-goers to stay hydrated and avoid direct sunlight. “The…

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Brain tumours can be cured, defeatist attitude towards it must go, say doctors

Doctors from across the world assembled for an international conference at the All India Institute of Medical Sciences (AIIMS) here said there is a widespread defeatist perception about brain tumour even among doctors, which is not right. “Even in a Bollywood movie, if someone has to die, the character is told to be suffering from brain tumour and there is an immediate acceptance by all about his death,” said Rakesh Jalali, Director of South East Asia’s First Proton Therapy Centre (SEFPTC), Apollo Hospital, Chennai. Jalali is one of the 400-odd…

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Should you go for perpetual SIP while investing in mutual funds?

While investing in a mutual fund scheme through systematic investment plan (SIP) mode, you get the pre-defined option for how long you want to continue your investments – 3 years, 5 years, 10 years, or perpetual? It means opting any of the options will let your investments amount disbursed from your bank account through ‘electronic clearing service’ or ECS mode for that particular time and will automatically get stopped as per the decided time you opted for it. However, while opting a perpetual option, your investments will continue for the…

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