Himali Patel

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

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