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Mid-Year Portfolio Check: Is It Time to Rebalance Your Portfolio?

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Imagine this: It's early August. You're sipping on a hot cup of chai, scrolling through your investment app. The markets have been all over the place lately—one day they're climbing, the next day they're doing somersaults. You glance at your portfolio and think, "Should I be doing something about this?" If you've had that thought recently, you're not alone. And more importantly, you're on the right track. Because just like how we go for a health check-up every year (or at least we should!), your investment portfolio deserves a periodic review too—especially at the halfway mark of the year. Welcome to your mid-year portfolio check-up . Why a Mid-Year Check Matters Half the year is behind us. The world has changed a little more, markets have had their own set of dramas, and maybe your life circumstances have shifted too—promotion, a new house, kids starting school, or even a change in risk appetite. A mid-year portfolio check isn’t about ...
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Strategies to Repay Your Home Loan Faster and Save on Interest

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Let’s face it—home loans are a huge financial commitment. They’re often the most significant debts many of us take on, stretching across decades. But here’s the good news: paying off that loan early could unlock so much financial freedom. It can reduce stress, save you tons in interest, and free up cash for other important things—whether that’s investments, savings, or enjoying life a little more. But before you jump into early repayment, it’s important to weigh the benefits. Sometimes, it may be better to invest your extra funds if the returns are higher than what you’re paying in interest. After all, home loans tend to have lower interest rates compared to personal loans or credit card debt. So, figuring out the right balance is key. If you’re leaning towards paying off your loan early, here are five practical strategies that could help you get there faster. 1. Lump-Sum Repayments: Using Windfalls Wisely Scenario:  Priya has a home loan of ₹1 crore at 8% interest rate for...
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