Special Report

Top Questions of 2015

2015 threw a lot of tricky questions at investors. We have answered the most critical ones to help you navigate 2016 better

  1. Surrender LIC Jeevan Saral Policies
    LIC Jeevan Saral is expensive endowment plan that isn't beneficial as insurance, nor as an investment
  2. Consider Surrendering your LIC Jeevan Anand Policy
    LIC Jeevan Anand isn't a policy worth investing in. Find out when and how you should surrender this plan if you have invested in it
  3. Are SIPs always better than lump sum investments?
    Regular investing on a schedule offers better returns and a number of other advantages
  4. Equity versus Equity Funds
    It takes less effort, less time, less experience and less specialised knowledge to get good returns from equity mutual funds than it does from directly trading in equities
  5. Regular Plan Vs Direct Plan
    Lower expense ratio of a Direct Plan results in a higher NAVs and hence marginally different returns than Regular Plan of the same scheme
  6. Liquid Funds v/s Bank FDs
    Liquid funds are ideal for short periods of less than 6 months, as they offer superior liquidity than bank FDs
  7. How many funds should I invest for the right diversification?
    Four or five funds are quite enough to provide diversification, as no additional diversification is provided by investing in more funds
  8. Long-term Equity Gains are Tax-free
    Equity mutual funds do not attract any long-term capital gains tax, so your entire gains are tax-free
  9. Should I Exit HDFC Top 200?
    HDFC Top 200 might have disappointed, but wait for some more time before taking a final decision
  10. Should I have separate portfolios for separate goals?
    Unless you think of what needs will investments fulfil, it is not possible to choose the right kind of investments

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