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Amit Chhabra of Policybazaar.com clears the air on the confusion surrounding the omission of the 65-year entry age provision in the new health insurance rules. Chhabra also says that while premium rates will rise but policyholders will see significan

Invest Smart | New health insurance rules will benefit policyholders but premium costs will rise

Amit Chhabra of Policybazaar.com clears the air on the confusion surrounding the omission of the 65-year entry age provision in the new health insurance rules. Chhabra also says that while premium rates will rise but policyholders will see significant benefits

<h2>Amit Chhabra of Policybazaar.com clears the air on the confusion surrounding the omission of the 65-year entry age provision in the new health insurance rules. Chhabra also says that while premium rates will rise but policyholders will see significant benefits</h2>

In the recent episode of Invest Smart, host Avni Raja delved into the intricacies of the latest changes in health insurance regulations. Joined by guest expert Amit Chhabra from Policybazaar, the discussion shed light on the implications of these regulatory tweaks for policyholders.
As of April 1st, significant changes in health insurance regulations have come into effect, leaving many policyholders wondering about the implications for their coverage. These alterations, made by the insurance regulator, touch upon key aspects of health insurance policies, potentially reshaping the landscape for insurers and consumers alike.
One of the most notable changes revolves around the removal of the maximum entry age limit of 65 years for health insurance policies. Amit Chhabra from Policybazaar explained that this move eliminates age-related restrictions, allowing individuals of all ages, including senior citizens, to procure health insurance policies. While this change offers more options for senior citizens, it still remains at the discretion of insurance companies whether to extend coverage based on individual health conditions.
Another significant amendment concerns the waiting period for pre-existing diseases, which has been reduced to three years. Previously, policyholders had to wait longer before coverage for pre-existing conditions kicked in. While this change is favourable for consumers, it may lead to a slight increase in premiums due to the expanded coverage.
Additionally, the moratorium period, during which insurers could reject claims based on non-disclosure, has been shortened from eight years to five years. This move aims to bolster consumer trust in health insurance by providing quicker access to claim settlements, thereby addressing the concerns of policyholders regarding claim denials.
Despite the potential increase in premiums, the changes are primarily geared towards enhancing consumer benefits and increasing transparency within the health insurance sector. Experts advise individuals to carefully evaluate their insurance policies, ensuring adequate coverage by opting for higher sum insured policies and plans without capping on room rent or sub-limits on treatments.
Overall, while these regulatory tweaks may lead to adjustments in premium rates, they ultimately aim to empower consumers with broader coverage and faster claim settlements. As the health insurance landscape evolves, staying informed and making well-informed decisions regarding insurance policies becomes increasingly crucial for individuals safeguarding their health and financial well-being.

In this episode of Invest Smart, Viral Bhatt, founder of Money Mantra and Editorji's Avni Raja discuss investment tips as Sensex hits the 75,000 mark

Sensex surges to new high, touches 75,000 mark: Expert advice for investors

<h2>In this episode of Invest Smart, Viral Bhatt, founder of Money Mantra and Editorji's Avni Raja discuss investment tips as Sensex hits the 75,000 mark</h2>

Indian stock market continues to scale new highs, with the Sensex crossing the 75,000 mark. This surge has led many investors to reconsider their investment plans. In this week's episode of Invest Smart, Avni Raja sat down with Money Mantra's Viral Bhatt to discuss the current scenario and its implications.
Founder of Money Mantra, Viral Bhatt, shed light on the current market dynamics and offered advice for investors navigating this landscape. With stock markets soaring and precious metals like gold and silver also on the rise, Bhatt addressed the concerns of investors amidst this euphoric yet apprehensive atmosphere.
Highlighting the importance of understanding the market's intricacies, Bhatt cautioned against overlooking potential signs of overvaluation, particularly in segments like mid-cap and small-cap stocks. He emphasised the need for investors to align their investment decisions with their financial goals, risk tolerance, and time horizons.
Diversification emerged as a key theme in Bhatt's recommendations, urging investors to prudently allocate their assets across various classes, including stocks, mutual funds, commodities, gold, and silver. Additionally, he underscored the significance of revisiting financial goals and maintaining a balanced portfolio tailored to individual circumstances.
Speaking on profit booking, Bhatt advocated for a measured approach, advising investors to stay the course while considering partial profit booking in certain segments. He suggested reallocating profits into less volatile assets like large-cap stocks or debt instruments, aligning with investors' risk profiles and objectives.
Addressing concerns specific to mutual fund investors, Bhatt outlined factors such as achieving financial goals, performance evaluation, and the importance of aligning fund choices with investment horizons and risk appetite. He also emphasised the role of strategic asset allocation in optimising returns while managing risks effectively.
Concluding the discussion, Bhatt offered insights into the role of gold as an investment avenue, recommending a modest allocation of 5-10% in portfolios. He highlighted gold's historical performance as a hedge against inflation, aligning with the broader investment strategy outlined during the episode.
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In this episode of Invest Smart, Director of Policybazaar Sajja Praveen Chowdary shared his insights into the implications of insurance policies transitioning into a digital format

Invest Smart 2024: What does e-Insurance mean for you, the policyholder? An expert's take

<h2>In this episode of Invest Smart, Director of Policybazaar Sajja Praveen Chowdary shared his insights into the implications of insurance policies transitioning into a digital format</h2>

The Insurance Regulatory and Development Authority of India (IRDAI) has made it mandatory for insurers to issue all new insurance policies in electronic format.
The rule, which came into effect on April 1, 2024, involves the opening of e-Insurance accounts for policyholders, with one of four repositories. All types of insurance policies - life, health, and general - will be stored in these accounts in a format similar to demat accounts used for shares.
Decoding e-Insurance regime
In this episode of Invest Smart, Sajja Praveen Chowdary, Director of Policybazaar, shared his insights into the implications of this transition. Chowdary highlighted the advantages of digitalising insurance policies, foremost among them being the drastic reduction in paperwork for insurers and policyholders alike.
Previously, regulations imposed limits on the sum insured or premium, mandating the opening of an insurance account only if these thresholds were exceeded. However, recent regulatory changes have removed these limitations, necessitating the migration of all policies into a digital format.
<h3>Seamless transformation</h3>
Existing policyholders need not fret, as they have the option to convert their policies into a digital format seamlessly, assures Chowdary. By filling out the requisite forms and providing necessary documentation, policyholders can initiate the process of opening an insurance account, facilitating the automatic conversion of their policies into the digital realm.
<h3>Data security concerns</h3>
Addressing concerns about data security, Chowdary reassured that the insurance sector operates within stringent regulatory frameworks, ensuring robust measures are in place to safeguard policyholders' information. With digitalisation, the flow of sensitive data is further minimised, bolstering security measures within the ecosystem.
"In terms of data perspective, insurance is a highly regulated space and we have a very strong regulator in the country. So from that perspective, the kind of measures that they put across in terms of information security guidelines or measures that the insurance companies have to take with respect to consumers, that's already there. So when you're referring to digital policies, it even further reduces the amount of data that flows outside of an ecosystem", said Sajja Praveen Chowdary.
<h3>Insurance Penetration</h3>
Looking ahead, Chowdary expressed optimism regarding the potential of digitalisation to boost insurance penetration in India. By streamlining processes and enhancing accessibility, digitalization aims to bridge existing gaps in the insurance landscape, empowering consumers and promoting financial inclusivity.
Chowdary concluded by promoting the digital format of insurance policies, calling it a good initiative. He also advised policyholders to take enough time to go through the process of moving the existing policies into an insurance account.
Also watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-advice-for-investors-after-sebi-red-flags-froth-in-small-midcap-funds-1709900576341">Invest Smart: Advice for investors after SEBI red-flags froth in small, midcap funds</a>
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In this episode of Invest Smart, Prospurts Wealth founder Gautam Bhasin imparts advice for investors after SEBI red flags froth in small, midcap segments

Invest Smart: Advice for investors after SEBI red-flags froth in small, midcap funds

<h2>In this episode of Invest Smart, Prospurts Wealth founder Gautam Bhasin imparts advice for investors after SEBI red flags froth in small, midcap funds</h2>

In a significant development, the Securities and Exchange Board of India has issued a warning regarding the buildup of froth in the small and mid-cap segments of the mutual fund space. &nbsp;SEBI has sensitised investors and fund houses to exercise caution, urging measures to protect investor interests amidst growing concerns of overvaluation.
During the recent episode of "Invest Smart," Gautam Bhasin, Founder of Prospurts Wealth shed light on SEBI's directive and its implications for investors. With retail and do-it-yourself (DIY) investors increasingly drawn to small-cap funds based on past performances, SEBI's intervention seeks to prevent potential losses should a market correction occur.
Bhasin highlighted the rapid influx of retail investors into small-cap funds, driven by easy access to information and media hype surrounding top-performing funds. SEBI's apprehension stems from the vulnerability of DIY investors who lack professional guidance, potentially facing substantial losses in the event of a market downturn.
Assessing the extent of froth and overvaluation, Bhasin cautioned that while not all small-cap stocks are overpriced, a significant portion has witnessed unprecedented growth since the COVID-19 lows. Small-cap indices have surged, with historical returns far exceeding those of large-cap counterparts, raising concerns about sustainability.
The implications of SEBI's warning are far-reaching, prompting some fund houses to restrict inflows and adjust portfolio allocations. Funds with large corpus sizes face challenges in deploying capital meaningfully, while those lacking depth in research may struggle to identify new investment opportunities.
For investors, particularly DIY enthusiasts heavily invested in small-cap funds, Bhasin emphasised the importance of reassessing portfolio allocations and rebalancing strategies. While advisors may recommend a gradual shift towards large-cap or multi-asset funds, individual circumstances dictate the appropriate course of action.
In response to SEBI's directive, fund managers have begun reallocating portfolios, raising cash reserves, and, in some cases, restricting inflows to mitigate risks. However, Bhasin added, the fundamental decision-making process remains highly personal, guided by individual risk profiles, financial goals, and investment frameworks.
Addressing concerns about missed opportunities and fear of missing out (FOMO), Bhasin urged prospective investors to focus on long-term objectives rather than short-term market sentiment. Regardless of market conditions, initiating investments in equities, preferably through systematic investment plans (SIPs), is advisable to capitalise on wealth-building opportunities.
As SEBI's cautionary message reverberates across the investment landscape, investors are advised to exercise prudence, seek professional guidance, and maintain a disciplined approach to wealth management. With uncertainties looming, informed decision-making remains paramount to navigating volatile market conditions.

In this episode of Invest Smart, FinSafe India founder Mrin Agarwal advocates for health insurance & equity funds for women and stresses on informed decisions & expert guidance for financial security

Invest Smart 2024: Financial products every woman should invest in

<h2>In this episode of Invest Smart, FinSafe India founder Mrin Agarwal advocates for health insurance &amp; equity funds for women and stresses on informed decisions &amp; expert guidance for financial security</h2>

While India has experienced a notable rise in the adoption of financial products in recent years, female participation in this domain continues to lag behind.
In the latest episode of Invest Smart, Editorji's Avni Raja discussed this disparity with financial expert Mrin Agarwal of FinSafe. The duo focused on the importance of financial products tailored to women's needs, emphasising health insurance and equity funds as essential components of a well-rounded investment strategy.
<h3>Significance of Health Insurance</h3>
Agarwal, known for her advocacy in women's financial literacy, stressed the significance of health insurance in safeguarding against unforeseen medical expenses. She highlighted a concerning trend revealed in a recent survey conducted by her company, FinSafe, indicating that many women overlook the need for adequate health coverage, often relying solely on employer-provided insurance.
Agarwal emphasised the necessity for women to secure personal health insurance policies, recommending coverage ranging from Rs 10 to 20 lakhs to mitigate potential financial burdens associated with medical emergencies.
"The first thing that I would say is that women need to have at least Rs 10 to 20 lakhs (cover). And why women, I'm saying? Generally a family of four needs to have at least Rs 10 to 20 lakhs of health insurance cover given the cost of treating large illnesses, right? And of course, do not rely only on the employer cover because in case of separation from the company, how are you going to ensure that you have the continuity of the cover then?" said Mrin Agarwal
Discussing the intricacies of health insurance selection, Agarwal cautioned against opting for policies solely based on affordability, urging women to scrutinise policy wordings for exclusions, sub-limits, co-payments, and waiting periods for pre-existing conditions. She also advised against relying solely on corporate policies, emphasising the importance of supplementing them with personal coverage to ensure continuity in case of job changes or separations.
<h3>Investment in equity funds</h3>
Talking about investment strategies, Agarwal underscored the role of equity funds in wealth creation, and highlighted the need for women to invest strategically to combat inflation effectively. Citing survey data, Agarwal underscored divergent attitudes among women towards equity investments, ranging from risk aversion to a desire for active stock trading. She advocated for a balanced approach, recommending mutual funds managed by experts as a prudent investment avenue.
Agarwal recommended a minimum investment horizon of 7 to 10 years for equity funds, cautioning against attempting to time the market. She advised investors to align their investment decisions with their risk tolerance, urging consultation with financial planners to navigate the complex landscape of financial products effectively.
"I would say that, you know, if you absolutely don't know where to invest, then an index fund or a Balanced Advantage fund or a flexi cap fund, these all three are a good starting point", said Mrin Agarwal
In conclusion, Agarwal emphasised the importance of informed decision-making in selecting financial products tailored to individual needs. By prioritising health insurance and adopting prudent investment strategies, women can secure their financial future and achieve long-term financial independence.
Also Watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-expert-guide-for-first-time-mutual-fund-investors-1708691363796">Invest Smart: Expert guide for first-time mutual fund investors</a>

In this episode of Invest Smart, Founder, Rupee With Rushabh Investment Services, Rushabh Desai and Editorji's Avni Raja discuss investment tips for first-time mutual fund investors 

Invest Smart: Expert guide for first-time mutual fund investors

<h2>In this episode of Invest Smart, Founder, Rupee With Rushabh Investment Services, Rushabh Desai and Editorji's Avni Raja discuss investment tips for first-time investors&nbsp;</h2>

In the latest episode of Invest Smart, we turned our focus to first-time mutual fund investors with financial expert Rushabh Desai, Founder, Rupee With Rushabh Investment Services. As markets continue their upward trajectory, the discussion with the host Avni Raja focused on simplifying investment strategies and managing expectations.
Rushabh emphasised the importance of simplicity for beginners, recommending pure index funds such as large-cap or Nifty 500 funds for a smooth entry into the market. He cautioned against jumping into volatile products and suggested balanced advantage funds for those averse to risk.
Regarding investment styles, Rushabh highlighted the cyclical nature of growth and value strategies. He advised maintaining a balanced portfolio to mitigate risks associated with each style, ensuring steady performance regardless of market fluctuations.
Addressing asset allocation, Rushabh stressed the significance of aligning investments with individual goals, time horizons, and risk tolerance. He suggested a strategic approach, with a tilt towards large-cap or flexi-cap funds given their reasonable valuations.
Furthermore, he discussed the importance of managing return expectations, urging investors to remain cautious amidst market euphoria. He reminded viewers that while historical data may indicate long-term returns, short to medium-term expectations should be moderate.
Responding to concerns about missing out on market gains, Rushabh advocated for patience, noting that opportunities to enter the market will arise periodically. He encouraged viewers to focus on disciplined investing through SIPs and cautioned against impulsive lump-sum investments.
In conclusion, Rushabh emphasised the significance of continuing SIPs for consistent investment growth while exercising caution with lump-sum investments, especially in volatile segments. His advice aimed to empower first-time investors with the knowledge and discipline necessary for long-term financial success.
Also Watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-2024-worried-about-stock-market-volatility-here-are-some-tips-to-manage-your-investments-1708086862738">Invest Smart 2024: Worried about stock market volatility? Here are some tips to manage your investments</a>

In this episode of Invest Smart, CEO of Wiseinvest, Hemant Rustagi and Editorji's Avni Raja discuss mutual fund investment options at times of volatility in share market

Invest Smart 2024: Worried about stock market volatility? Here are some tips to manage your investments 

In this episode of Invest Smart, CEO of Wiseinvest, Hemant Rustagi and Editorji's Avni Raja discuss investment options at times of volatility in share market

<h2>In this episode of Invest Smart, CEO of Wiseinvest, Hemant Rustagi and Editorji's Avni Raja discuss mutual fund investment options in times of volatility in share market</h2>

Indian equity market has been witnessing quite a bit of volatility in the past few days. For investors, navigating volatile markets and its impact on investments, can be a little confusing.&nbsp;
In this episode of Invest Smart, Hemant Rustagi, CEO - Wiseinvest shares his opinion on how investors can navigate the market volatility and manage their investments.&nbsp;
<h3>Returns from equity investments&nbsp;</h3>
First and foremost, Rustagi advices investors to tone down their expectations as the share markets can't give 'extraordinary returns' like it did in 2023, every year. However, he also points out that there is no need for the investors to worry yet, as the volatility has been going on only for a few days now.
He goes on to say that the prospects of share markets are promising given the possible rate cuts by the RBI and the money flow into the Indian economy.&nbsp;
"With the fundamentals improving, with liquidity in the market, I think the prospects of markets look still very promising", says Hemant Rustagi.
<h3>Small, Mid-caps exposure</h3>
For investors, Rustagi has an important advice of investment in small, mid and large caps in the right proportion. Deciding the right proportion depends on experience, level of equity understanding and the size of portfolio, notes Rustagi.
For those who invested more in the small and mid cap trying to take advantage of the good run the segments had last year, Rustagi suggests re-balancing the portfolio.
On SIP investment, Rustagi mentioned that though the volatility could be unnerving for an investor, SIPs allow investment at different levels, tackling ups and down.
<h3>Recommendation for beginners</h3>
Rustagi recommends investment in multi-cap funds as it covers all the three segments (small, mid and large cap) of the market. Through this fund, a minimum of 25% is invested in all the segments and the other 25% is invested as per the discretion of the fund manager.
The second recommendation from Rustagi is investment in large and mid cap. Finally he recommends, investment in flexicap fund for beginners.
Also Watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-2024-understanding-the-cashless-everywhere-facility-in-health-insurance-1707481740722">Invest Smart 2024: Understanding the 'Cashless Everywhere' facility in health insurance</a>

In this episode of Invest Smart, Founder of Ladder7 Financial Advisories, Suresh Sadagopan and Editorji's Avni Raja discuss the benefits and concerns of cashless everywhere facility in health insurance

Invest Smart 2024: Understanding the 'Cashless Everywhere' facility in health insurance

In this episode of Invest Smart, Founder of Ladder7 Financial Advisories, Suresh Sadagopan and Editorji's Avni Raja discuss the benefits of 'Cashless Everywhere' initiative in health insurance

<h2>In this episode of Invest Smart, Founder of Ladder7 Financial Advisories, Suresh Sadagopan and Editorji's Avni Raja discuss the benefits of the 'Cashless Everywhere' initiative in health insurance</h2>

In what could have a transformational impact on the sector and its stakeholders, health insurance companies have rolled out the 'Cashless Everywhere' initiative. Now, policyholders can access the cashless facility at any hospital in the country, irrespective of whether it's a network hospital or not.
In this episode of Invest Smart, Suresh Sadagopan, Founder of Ladder7 Financial Advisories, sheds light on the benefits of the 'Cashless Everywhere' facility.
<h3>Cashless Treatment</h3>
Suresh Sadagopan praises the cashless facility, emphasising its role in alleviating the burden for policyholders who previously had to wait for reimbursement of expenses incurred at hospitals outside the insurance company's network.
Sadagopan also expresses concerns about the 48-hour time-frame given to insurance companies to approve cashless treatments. Additionally, it's important to note that policyholders must inform the insurance company at least 48 hours prior to admission for elective procedures and within 48 hours for emergency procedures.
Despite concerns about the approval timeline, Sadagopan describes the initiative as 'consumer-friendly' and expresses optimism that any hiccups could be resolved within 2-3 years.
He also suggests standardising the online authorization form across various medical insurance companies. He argues that this would improve efficiency for hospitals.&nbsp;
<h3>Benefits of cashless facility</h3>
The cashless facility is not beneficial just for the policyholder but also for the insurance company. Suresh Sadagopan points out that over a period of time, insurance companies can control the expenses.
"Once they (insurance company and hospitals) get into a comprehensive agreement on all possible procedures, hospitalisation and intervention, it is much easier for them to control the expenses. So over a period of time the outflow from the medical insurance companies to the hospitals is expected to come down", says Suresh Sadagopan.
The medical insurance penetration is also expected to go up, says Sadagopan.&nbsp;
"If they (General Insurance Council) popularise it, more and more people will take up this concept of medical insurance because they know they can go to any hospital and get treated", says Suresh Sadagopan.
Also watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-2024-understand-old-new-tax-regimes-for-better-tax-planning-1706271967382">Invest Smart 2024: Understand old &amp; new tax regimes for better tax planning</a>

Invest Smart | Budget impact: Investment insights and strategic moves for investors

Invest Smart | Chairman & CEO of PPFAS on budget impact & investment strategies

Avni Raja from Editorji spoke to Neil Parikh, Chairman &amp; CEO of PPFAS Mutual Fund, about the budget's impact, market caution, and potential pockets of opportunity

Budget 2024 came with multipe changes on the taxation front, particularly a surprise hike of long -term capital gains tax from 10% to 12.5%. Meanwhile, despite the LTCG tax hike, the current bull run seems to be showing no signs of abating.&nbsp;&nbsp; Avni Raja from Editorji spoke to Neil Parikh, Chairman &amp; CEO of PPFAS Mutual Fund, about the budget's impact, market caution, and potential pockets of opportunity. IMPACT OF LTCG TAX HIKE TO 12.5% Speaking about the impact of the LTCG tax hike to 12.5%. Parikh stated, "I don't think the LTCG hike was out of the blue. The market absorbed the LTCG tax hike, and we've all taken it in our stride." EVOLUTION OF INDIA'S RETAIL INVESTOR Regarding the evolution of India's retail investor, Parikh said that investors have matured significantly. He further adds that investors now view equity as a means for achieving long-term goals, and the culture of systematic investment plans (SIPs) has really taken hold. He expressed hope that SIP money remains consistent and committed. ''Although a bear market has not been seen for a long time, confidence in the bull market remains high'' Parikh added. ADVICE FOR FIRST-TIME INVESTORS&nbsp; Talking about for first-time investors, Parikh said that the advice is clear: don't invest with the intention of making a quick buck. ''We're currently in a market that isn't cheap, so be cautious about where you invest''. Additionally, He also said that it's important not to get jittery during short-term volatility.&nbsp;

Invest Smart

Invest Smart | Expert advice on strategies for investing in gold

Speaking about the gold allocation, gold market expert Vijay L. Bhambwani explains that investors should use market corrections as opportunities to buy more gold

Following Finance Minister Nirmala Sitharaman's Budget 2024 announcement reducing basic customs duties on gold and silver from 15% to 6%, retail investors are celebrating the significant drop in prices.&nbsp; To explore this further, Avni Raja from Editorji interviews gold market expert Vijay L. Bhambwani to discuss the impact of the recent customs duty reduction on gold and its implications for investors.&nbsp; &nbsp; ADVICE FOR GOLD INVESTORS&nbsp; Vijay L. Bhambwani advises gold investors not to worry too much, as any losses are likely temporary.
Bhambwani also notes that only recent investors might be experiencing losses due to recent market fluctuations, and these should be viewed as short-term setbacks rather than long-term concerns.&nbsp; WHY INCREASE ALLOCATION TO GOLD?&nbsp; &nbsp; Speaking about the gold allocation, Bhambwani explains that investors should use market corrections as opportunities to buy more gold. He also advises against purchasing gold on leverage, especially when buying futures, as it can increase risk. Instead, Bhambwani recommends opting for physical deliveries to ensure a more secure investment in gold. &nbsp; INVESTING IN PHYSICAL GOLD&nbsp; When investing in physical gold, Bhambwani emphasizes the importance of ensuring that the gold is hallmarked and stamped for authenticity and purity. He further advises investors to purchase only hallmarked gold, which guarantees its purity. If investors have any doubts about the authenticity of their gold, they can have it tested for a nominal fee, which typically ranges from ₹50 to ₹75 per piece.
This step helps to verify the gold's quality and ensure that investors are getting what they pay for.

As Samvat 2081 begins, join Feroze Azeez and Avni Raja to learn how to navigate market corrections, choose between sectoral and thematic funds, and manage your portfolio risks. Light up your financial future this festive season!

Invest Smart: Investment Strategies for a Profitable Samvat 2081

As Samvat 2081 begins, join Feroze Azeez and Avni Raja to learn how to navigate market corrections, choose between sectoral and thematic funds, and manage your portfolio risks. Light up your financial future this festive season!

As we step into the new Vikram Samvat 2081, investment opportunities abound this Diwali. In a recent conversation with Avni Raja, financial expert Feroze Azeez shared strategies for investors navigating the current market landscape. Here are some highlights from their insightful chat, perfect for lighting up your portfolio this festive season.
Market Correction: Nothing to Worry About The recent market correction has left investors concerned, but Azeez reassures that corrections are typical, occurring every nine months. &ldquo;The market has a habit of correcting every nine months,&rdquo; he states, adding that there&rsquo;s no need for alarm. For those investing in Samvat 2081, staying calm during these fluctuations can lead to long-term gains.
Likelihood of a Deeper Correction? Addressing fears of a deeper correction, Azeez doesn&rsquo;t see this as likely. &ldquo;A fall over 20% would be a deeper correction, but it&rsquo;s highly unlikely,&rdquo; he says. He also notes that Foreign Institutional Investor (FII) selling might ease after the U.S. elections, which should stabilize market movements.
Advice for Mutual Fund Investors For mutual fund investors, Azeez calls the current correction a &ldquo;festive discount,&rdquo; and says it&rsquo;s the best value investors have seen in years. He recommends larger allocations now, while small and midcap investments should be spread out in a staggered approach. This can help manage risk while taking advantage of the current market dips.
Sectoral vs. Thematic Funds Sectoral funds can offer returns, but they require precise timing, says Azeez. Unless investors are confident in their timing, thematic funds, which focus on long-term growth themes, may offer more stability and relevance to broader market trends.
Young Investors and Asset Allocation For young investors, Azeez advises on the importance of planning and restraint. High risks do not guarantee high returns, he warns. Aligning investments with financial goals and knowing when to stop taking on extra risk are crucial for creating a balanced and resilient portfolio in Samvat 2081.
With these insights from Feroze Azeez, investors can enter the new Samvat year with greater confidence and a clear strategy to make the most of Diwali&rsquo;s festive spirit!

Nitin Baijal, Executive Director at Deloitte India, discussed key budget expectations: higher standard deduction, simplified tax slabs, and aligned capital gains tax rates to ease compliance

Invest Smart: Key expectations from full Budget 2024

<h2>Nitin Baijal, Executive Director at Deloitte India, discussed key budget expectations: higher standard deduction, simplified tax slabs, and aligned capital gains tax rates to ease compliance</h2>

As the full budget for 2024-25 approaches, taxpayers are eagerly anticipating relief measures amid the rising cost of living.
In this episode of Invest Smart, Nitin Baijal, Executive Director at Deloitte India, shared insights on what taxpayers might realistically expect from the budget, scheduled for the third week of July.
<h3>Budget expectations</h3>
Baijal noted that the government&rsquo;s focus is likely to remain on the simplified tax regime introduced in previous years. To encourage more taxpayers to adopt this regime, he suggested that the government might increase the standard deduction from ₹50,000 to ₹1,00,000, or even higher for senior citizens, to account for escalating medical and living costs. Currently, only 15-20% of taxpayers have embraced the new regime, with most still preferring the old one due to available deductions under Chapter 6.
Baijal also emphasized the need for simplifying the income tax slabs. He proposed reducing the number of slabs from five to three, with rates of 10%, 20%, and 30%, which could make the tax system more accessible and encourage the transition to the new regime.
The flexibility to switch between tax regimes, especially for business professionals, was highlighted as a potential area for improvement. Currently, taxpayers can only change their regime once, which adds complexity. Baijal suggested allowing more frequent changes, possibly twice a year.
Given the inflation and rising costs over the past decade, an increase could provide much-needed relief, he noted.
<h3>Capital Gains Tax</h3>
He also discussed the possibility of aligning capital gains tax rates across asset classes to simplify the system. For instance, standardizing long-term capital gains tax and holding periods could reduce confusion and make compliance easier for taxpayers.
Additionally, Baijal touched on the potential reclassification of futures and options (F&amp;O) income from business income to speculative income to discourage excessive speculative trading.
In conclusion, Nithin Baijal's top five budget expectations include simplifying the new tax regime, increasing the standard deduction, providing more support for senior citizens, aligning capital gains tax rates, and reclassifying F&amp;O income.
Also Watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-sebi-s-probe-into-quant-mutual-funds-explained-here-s-what-investors-should-do-1719575123375">Invest Smart: SEBI's probe into Quant Mutual Funds explained; here's what investors should do</a>

SEBI's investigation into Quant Mutual Fund over front-running allegations has raised investor concerns. Pankaj Mathpal advises calmness, emphasizing that the probe is preliminary and that Quant's liquidity ensures minimal impact on fund performance

Invest Smart: SEBI's probe into Quant Mutual Funds explained; here's what investors should do

<h2>SEBI's investigation into Quant Mutual Fund over front-running allegations has raised investor concerns. Pankaj Mathpal advises calmness, emphasizing that the probe is preliminary and that Quant's liquidity ensures minimal impact on fund performance</h2>

The Securities and Exchange Board of India (SEBI) has initiated an investigation into Quant Mutual Fund, one of the country's fastest-growing asset management companies, for suspected front-running. The probe has raised concerns among investors about the potential impact on their investments.
In an exclusive interview on Invest Smart, Pankaj Mathpal, MD &amp; CEO, Optima Money Managers explains what front-running is and also talks about what investors of Quant MF should do amid the ongoing investigation.&nbsp;
<h3>Quant Mutual Fund case</h3>
Pankaj Mathpal emphasized that the investigation is still in its early stages, and no conclusions have been drawn yet. "SEBI suspects front-running but has not confirmed any wrongdoing by Quant Mutual Fund. It's important for investors to remain calm and not make hasty decisions based on unverified information," he advised.
He also said that SEBI will take appropriate action against those responsible. "If front-running is confirmed, SEBI will take appropriate action against the responsible individuals.
On the potential impact on the AMC&rsquo;s funds, Mathpal says that the performance of mutual fund schemes largely depends on the underlying stocks. If these stocks continue to perform well, the overall impact on the fund's returns should be minimal," Mathpal reassured.
<h3>Impact on investors</h3>
He also highlighted the importance of liquidity in Quant Mutual Fund's portfolios. "Even in small-cap funds, there is a significant allocation to large-cap stocks, ensuring good liquidity. This means the fund can handle redemption pressures without severely impacting its performance," he noted.
Reflecting on past incidents, such as the probe into Axis Mutual Fund, Mathpal stressed that SEBI is a vigilant regulator that takes swift action to protect investors. "Trust in the regulatory system and the fund house is crucial. Isolated incidents should not erode overall confidence in the mutual fund industry," he asserted.
In conclusion, Mathpal urged investors to stay invested and not succumb to panic. "Quant Mutual Fund has delivered extraordinary returns in the past. Investors should trust the process and allow the investigation to unfold. Making rash decisions now could lead to unnecessary losses," he said.
Also watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-advice-for-investors-after-sebi-red-flags-froth-in-small-midcap-funds-1709900576341">Invest Smart: Advice for investors after SEBI red-flags froth in small, midcap funds</a>
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Insurance premiums in India have been on the rise. BajajCapital Insurance Broking CEO Venkatesh Naidu explains what's causing the rise and hacks that can be used to bring down premium costs. 

Invest Smart: Strategies for consumers to bring down premiums amid rising insurance costs

<h2>Insurance premiums in India have been on the rise. BajajCapital Insurance Broking CEO Venkatesh Naidu explains what's causing the rise and hacks that can be used to bring down premium costs.&nbsp;</h2>

Insurance costs in India are rising due to several factors affecting life, health, and vehicle insurance premiums. These increases reflect broader trends in the insurance industry as it adjusts to higher risk levels and seeks financial stability amidst changing economic conditions.
In the latest episode of Invest Smart, BajajCapital Insurance Broking CEO Venkatesh Naidu offers valuable insights into the factors driving these increases and strategies to mitigate their impact.
In the latest episode of Invest Smart, BajajCapital Insurance Broking CEO Venkatesh Naidu provides valuable insights into the factors driving these increases and what strategies can be used to reduce premium costs.&nbsp;
<h3>Why are insurance premiums rising?&nbsp;</h3>
Venkatesh identifies three main reasons for the spike in insurance premiums over the past few years. The COVID-19 pandemic led to an increase in claims and higher costs for insurers, which resulted in premiums going up. Additionally, India has seen one of the highest rates of medical inflation globally, second only to China. Another reason is the unregulated nature of the market since there is no framework to control the costs of hospital services.&nbsp;
<h3>Health Insurance vs. Term Insurance</h3>
While health insurance premiums have surged by 15-18% annually over the last three years, term insurance premiums have also risen, however, they still remain the cheapest globally. This increase in term insurance premiums is due to reinsurers reassessing risks post-pandemic and charging higher premiums for Indian insurers.
<h3>Regulatory changes and their impact</h3>
Recent regulatory changes, such as reducing the moratorium period and waiting periods for pre-existing conditions, could marginally increase premiums in the future. However, these changes aim to provide more immediate coverage for policyholders, which could lead to a higher incidence of claims.
<h3>Consumer strategies to mitigate rising costs</h3>
To reduce the impact of rising premiums, Venkatesh suggests utilizing wellness benefits offered by insurers. Many insurers now provide discounts for maintaining good health, such as offering gym memberships or incentives for achieving daily step counts. Additionally, consumers can save by paying premiums for multiple years upfront, potentially receiving a discount of up to 15%.
When considering health insurance policies, Venkatesh advises paying attention to key factors such as premiums, coverage, waiting periods, copayments, deductibles, and room rent limits. Opting for policies with zero copay, zero deductible, and no waiting periods, while more expensive, can offer comprehensive coverage.
As the industry awaits the upcoming budget, Venkatesh further added that the potential reduction in GST on health insurance premiums from 18% to 5% is a hopeful prospect. This change, along with the implementation of the proposed health stack, could significantly benefit consumers by lowering premium costs and improving the efficiency of health data management.
Also watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-new-health-insurance-rules-will-benefit-policyholders-but-premium-costs-will-rise-1714133030213">Invest Smart | New health insurance rules will benefit policyholders but premium costs will rise</a>

In this episode of Invest Smart, Founder - PlanRupee Investments, Amol Joshi emphasises on getting the KYC for mutual fund accounts done as soon as possible to be able to carry out transactions

Invest Smart | Everything you need to know about new KYC rules for mutual fund accounts

<h2>In this episode of Invest Smart, Founder - PlanRupee Investments, Amol Joshi emphasises on getting the KYC for mutual fund accounts done as soon as possible to be able to carry out transactions</h2>

The KYC registration entities recently revealed that around 1.3 crore mutual fund accounts have been put 'on hold' due to incomplete KYC. As per capital market regulator SEBI's orders, investors with an 'on hold' KYC status will not be able to carry out any transactions in mutual funds, from April 01. Additionally, a new regulation implemented on April 30th mandates that the name on a mutual fund application must match the name on the PAN card, or else the application will be rejected.
In this episode of Invest Smart, Amol Joshi, Founder - PlanRupee Investments explains the new KYC rules and how investors can go about doing their re-KYC if their accounts have been put on hold.&nbsp;
<h3>KYC - key aspects</h3>
Joshi explains that the changes in KYC rules, introduced by the Securities and Exchange Board of India (SEBI) several months ago, focus on five key aspects:
<ol style="list-style-type: lower-alpha;">
<li>The validity of the PAN</li>
<li>Linking the PAN with Aadhaar</li>
<li>Name consistency across documents</li>
<li>Verification of mobile numbers and email IDs via OTP (One Time Password)</li>
<li>The implementation of Aadhaar-based KYC is emphasized as the most advantageous method,</li>
</ol>
As per Joshi, this grants investors a validated status, which streamlines transactions across various fund houses.
<h3>Impact of KYC status which is 'On Hold'</h3>
Regarding the impact of a KYC hold, Joshi warns that ongoing Systematic Investment Plans (SIPs), lump sum investments, and redemption of existing mutual funds will all be affected. He emphasizes the urgency for investors to complete their KYC through any of the officially valid documents to resume transactions seamlessly.
Addressing concerns about the timeframe for rectifying KYC holds, Joshi clarifies that there is no specific deadline but advises investors not to delay the process as until this is done, all transactions will be impacted. Both online and offline options are available for completing KYC, though online platforms may encounter technical glitches, causing inconvenience to users.
Moreover, non-resident Indian (NRI) investors face additional challenges due to limitations in obtaining Aadhaar, making the KYC process potentially more cumbersome for them.
The recent KYC amendments underscore the importance of regulatory compliance and vigilance in the investment landscape, urging investors to stay informed and proactive in navigating these changes.
Also watch: <a href="https://www.editorji.com/business-news/invest-smart/invest-smart-new-health-insurance-rules-will-benefit-policyholders-but-premium-costs-will-rise-1714133030213">Invest Smart | New health insurance rules will benefit policyholders but premium costs will rise</a>