Himali Patel

Costs, liquidity, and the mechanism for conversion to physical gold are aspects you must understand before taking the plunge

Treat SIFs as satellite holdings, not replacements for core mutual fund holdings, as management and threshold compliance risks remain

Indians continue to favour physical gold for tradition and security, but ETFs offer a more efficient, low-cost route for long-term investment

Those choosing such plans may also forgo the 8-10 per cent savings often available under down-payment option

Combine base policy with super top-up, opt for policy with favourable bonus norms to manage premium cost

The best way to optimise benefits is to keep multiple cards and use the one offering highest rewards for each spending category

A resurgence of inflation could keep policy tight. Prolonged high interest rates could weigh on valuations and multiples

As senior living projects expand rapidly, experts advise buyers to assess developers' track record, service quality, costs and long-term sustainability before investing

A specialised indemnity heart policy makes sense for someone diagnosed with a coronary disease, or one who has undergone a procedure like angioplasty or bypass surgery

Repay loans on time, keep credit utilisation below 30%, and avoid too many applications within a short period

To tackle inflation, consider hybrid or increasing annuities, or combine fixed annuity with mutual funds; for legacy planning, opt for return-of-premium options

Sophisticated investors who manage diversified portfolios and don't wish to outsource asset allocation may avoid them

Existing investors who have become overweight after the bull run of the past year should book partial profits and rebalance

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