Himali Patel

Maintain a liquidity buffer in case you get a margin call due to falling gold prices

Availing of this facility without a clear repayment plan can lead to financial stress and higher borrowing costs over time, experts warn

New investors should stick to diversified equity funds; if they invest, they should take limited exposure in satellite portfolio

Reinvestment risk can be dealt with by laddering investments

Do not exit in panic or buy falling stocks without reassessing fundamentals; instead, build a watchlist and invest gradually with a disciplined, long-term approach

Existing investors should rebalance but avoid complete exit

Under the draft, an eligible victim will receive 85 per cent of the net loss amount, or ₹25,000, whichever is lower

Avoid panic selling, keep SIPs going: Past wars caused transitory selloffs

Some risks are covered, others require purchase of add-ons, and yet others are completely excluded

If an insurer wants to deny a claim based on an exclusion, it must provide clear evidence that the incident falls under that exclusion

If airlines cancel flights due to war or airspace closure, passengers can seek full refunds. But if travellers cancel voluntarily, contractual rules apply and insurance may not cover war

When not travelling, lock the forex card, keep only a small balance, and switch on alerts

Enter only those stocks that have consistently strong financials, adequate liquidity, and no signs of corporate governance risk

The outflows were due to liquidity tightness and consequent rise in yields, not due to a deterioration in the category's risk-return profile

Older EVs, typically five years and above, may not be eligible for some add-ons, and may face higher premiums

Customers must stay vigilant and avoid falling prey as mis-selling is not easy to prove

Regular money talks, setting up joint goals, and regular reviews can help couples stay aligned

These funds carry valuation risk and can lag during speculative phases of bull markets

They offer the sweet spot of reasonably attractive yields without excessive interest-rate risk

Finance Bill 2026 shifts share buyback proceeds to capital gains tax from April 2026, easing the burden for many investors, while tightening tax rules for SGB buyers