The Economic Times
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| 24 September, 2020, 04:58 PM IST | E-Paper
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    Wealth

    Wealth management during coronavirus
    From settling EMI moratorium dues to which loan to pay off first, here's how borrowers can be debt-free

    From settling EMI moratorium dues to which loan to pay off first, here's how borrowers can be debt-free

    The moratorium has left borrowers with a higher loan burden. Borrowing will be difficult in the Covid-hit world. Some banks have even tightened lending norms. Watching your credit score has become more critical now. Find out how you can break free of this debt.

    Don’t take a home loan because interest rates are low; ask yourself these 8 questions first

    Don’t take a home loan because interest rates are low; ask yourself these 8 questions first

    Don’t take a home loan just because interest rates are low, especially in the Covid-induced uncertainty. Before you borrow and take on debt that can later go on to take the form of a debt trap, ask yourself these eight questions.

    Gold performs well in crisis times; should a long term investor switch to gold-heavy portfolio?

    Gold performs well in crisis times; should a long term investor switch to gold-heavy portfolio?

    Historically, gold has performed well in crisis times, when other forms of investments are avoided by investors. Does it make sense to replace your entire fixed-income portfolio and some part of equity funds for the next 2-3 years to gain from the potential rally in gold?

    How and when the force majeure clause can protect financial contracts

    How and when the force majeure clause can protect financial contracts

    The force majeure clause includes the phrase ‘act of god’ to mean situations that are uncontrolled by human intervention and could not have been prevented. It guards against financial consequences if circumstances are beyond human control.

    Coronavirus impact: IRDAI permits motor, health insurers to issue policies electronically

    Coronavirus impact: IRDAI permits motor, health insurers to issue policies electronically

    The IRDAI has received representations from the insurers for an exemption to all health insurance policies issued by insurers from the requirement to issue physical policy document and hard copy of proposal form

    Mumbai: No takers for their flats, owners slash rents for first time

    Mumbai: No takers for their flats, owners slash rents for first time

    With more and more offices embracing the option of working remotely even after a majority of the restrictions have been lifted, landlords are struggling to find takers for their flats at rates set before the pandemic.

    5 new money rules for households to navigate current pandemic-hit economy

    5 new money rules for households to navigate current pandemic-hit economy

    There is no cause for euphoria or the calculation that a boom is right around the corner. A period of prolonged pain, somewhat comforted by innovation in solving for the new normal, is what we should expect. But the question is how households should navigate these times.

    How to value a stock before buying it? Here are 9 ratios that can guide you

    How to value a stock before buying it? Here are 9 ratios that can guide you

    Retail investors are rushing to open new demat accounts to trade in the stock market. However, new retail investors should know the basic ratios used to value stocks before they jump in to invest. Here is a look at how you can use nine such ratios while buying a stock.

    Who should invest in multi-asset allocation mutual funds?

    Who should invest in multi-asset allocation mutual funds?

    ​​Multi-asset allocation mutual fund schemes seek to capture the purest form of asset allocation, based on certain asset allocation triggers. The question is who should invest in these types of mutual fund schemes.

    What is stock market sentiment?

    What is stock market sentiment?

    Market sentiment is not always based on fundamentals as sometimes emotion drives the market. There are various indicators to measure market sentiment like the volatility index.

    These 7 stocks could give bounce-back returns in 2021-22

    These 7 stocks could give bounce-back returns in 2021-22

    Investors should consider 2020-21 an abnormal year and start valuing stocks based on the 2021-22 earnings. However, almost all companies will report better numbers in 2021-22, thus, they should be careful in such comparison. Here are 7 stocks that could bounce back in 2021-22 as per market experts.

    How much will the equity market fall? There's a thumb rule for that

    How much will the equity market fall? There's a thumb rule for that

    When the stock market takes a downward trend, most investors have a question about how much will the equity market will fall. The exact answer is impossible to tell, however, there is a thumb rule to help you navigate through the falling equity market.

    Should you buy Corona Kavach policy or a top up or super top up plan for your existing health insurance?

    Should you buy Corona Kavach policy or a top up or super top up plan for your existing health insurance?

    A health insurance top-up/super top-up plan offers coverage against several medical emergencies including coronavirus. On the other hand, Corona Kavach is a policy that specifically provides insurance only for the treatment of the coronavirus disease.

    Protect your equity investments against a fall in stock market: Here's how to hedge and the cost

    Protect your equity investments against a fall in stock market: Here's how to hedge and the cost

    The Sensex now is just 7% away from its all-time high. The current disconnect between fundamentals and share price movements means equity investors should take extra precautions to protect the downside of their investment portfolio.

    Invest knowing that there could be lull in returns for three years: Radhika Gupta, Edelweiss AMC

    Invest knowing that there could be lull in returns for three years: Radhika Gupta, Edelweiss AMC

    "Equities have delivered in the long term despite wars, pandemics and stock market crashes. But these returns are never linear. Volatility is a feature, not a bug, in equity investing, and if you are an equity investor, you have to embrace it," says Radhika Gupta of Edelweiss AMC.

    Don't let salary cut impact your financial goals: Here's how to do it

    Don't let salary cut impact your financial goals: Here's how to do it

    These are unforeseen and unprecedented times. Your goal value can be achieved by modifying in the short term, before resorting back to saving in line with your actual targets.

    How to balance work and personal life while working from home

    How to balance work and personal life while working from home

    As the pandemic ranges on, the work-life balance has gone for a toss. Your health, routines, peace of mind, professional output and personal life have all changed in ways you couldn’t predict. Let’s take a look at the negatives and understand how you can recover from them.

    The window for travel deals, discounts is only 2 months: K Singh, Mahindra Holidays & Resorts India

    The window for travel deals, discounts is only 2 months: K Singh, Mahindra Holidays & Resorts India

    "I think some enticement may be necessary to break the inertia, but the situation will reverse the moment this inertia is broken. In time, there will be more demand than supply and travel companies also have to make money eventually," says Mahindra Holidays’ Kavinder Singh.

    Stock pick of the week: Sharp reduction in loans under moratorium puts City Union Bank ahead of peers

    Stock pick of the week: Sharp reduction in loans under moratorium puts City Union Bank ahead of peers

    City Union Bank has seen an improvement in its asset quality profiles. Its loans under full moratorium came down to 12% from 52% in the previous quarter, which shows that it has performed significantly better than its peers. This company is a favourite of analysts.

    How gold, silver performed for the week ending on August 20, 2020

    How gold, silver performed for the week ending on August 20, 2020

    Silver is more volatile than gold and therefore, it fell around 12% from the recent peak. Here is a weekly tracker of returns from gold, silver, wine and WTI crude for the week ending on August 20, 2020.

    8 websites offering free or paid online courses that can enhance your career

    8 websites offering free or paid online courses that can enhance your career

    The lockdown is a good time to upskill or acquire knowledge in a new field. ​​Acquiring a new skill can help you enhance your career. Do keep in mind that the certification may not land you a job unless you can prove your calibre.

    How the coronavirus pandemic has changed the lives of working women

    How the coronavirus pandemic has changed the lives of working women

    Those who hold jobs that cannot be performed remotely are routinely losing their jobs. Unemployment in many economies has shot up as businesses do not have the wherewithal to pay salaries when there are no revenues to support them.

    High insurance at low cost: The math you should do before buying a top-up health insurance plan

    High insurance at low cost: The math you should do before buying a top-up health insurance plan

    A top-up plan is a regular indemnity health insurance policy that comes into force once the claim amount exceeds the deductible limit. The hospitalisation cost below the deductible limit is either borne by the insurer or the policyholder.

    Planning on ditching your mutual funds for stocks? Don't make these mistakes

    Planning on ditching your mutual funds for stocks? Don't make these mistakes

    Comparing any type of mutual fund with direct stocks is not the right comparison. Besides, mutual funds returns are a derivative of how the broader market performs. It is unfair to blame mutual funds if the market itself has exhibited weakness.

    In bid to boost realty, Maharashtra cuts stamp duty for 7 months

    In bid to boost realty, Maharashtra cuts stamp duty for 7 months

    The state cabinet also approved a Rs 700 crore road tax waiver plan for commercial vehicles to compensate for losses the transport industry suffered in the lockdown. The reduction in stamp duty, though temporary, could be substantial for a prospective home buyer.

    Interest on loans seen to be key to paying depositors

    Interest on loans seen to be key to paying depositors

    While deciding against extending the loan moratorium beyond August, RBI had also announced a one-time restructuring window for individual and corporate loans. For home loans, banks are expected to provide a tenure extension of up to two years.

    Coronavirus impact: Demand for houses in tier II and III cities accelerates

    Coronavirus impact: Demand for houses in tier II and III cities accelerates

    Leading developers like DLF, Emami Realty, ATS, Omaxe and Alpha Corp have shifted focus towards smaller cities to monetise the land banks they had held for long.

    How low-income earners can save more for tax-saving investments

    How low-income earners can save more for tax-saving investments

    Many young or low income earners wish to save but the expenses are too much. Covid-19 may have taken a toll on their salaries further. The uncertainty may disable them meet yearly saving targets. Here are simple steps that will help them save more.

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