Karthik Jerome

Investors should restrict margin trading facility use to liquid stocks, maintain adequate cash buffers for margin calls, and avoid excessive leverage during periods of market stress

How the continuing reforms in the MF space have created an over ₹82 trillion powerhouse

Combine a robust base health plan with a super top-up, critical illness cover and a dedicated medical corpus to protect household finances from soaring treatment costs

If you wish to stay safe, stick to the minority that has a Sebi-registered investment adviser or research analyst licence

Standard motor insurance covers many monsoon-related losses, but add-ons such as engine protect and zero-depreciation can significantly reduce out-of-pocket expenses

A card with zero cross-currency conversion charge will allow you to load US dollars and then spend in any currency without incurring further charges

Beware that funds with higher exposure to mid- and smallcaps are likely to be more volatile

Credit utilisation ratio should remain below 30%

Review the sum insured at every renewal, upgrade while healthy, and use a super top-up to raise cover affordably

While subscribers get greater flexibility in making partial withdrawals, they should exercise this freedom judiciously so that they don't deplete their retirement corpus drastically

Assess the policy's returns, risks and liquidity restrictions, and ensure that you can sustain the premiums throughout its term

Check both equity and debt portfolios before investing

If reimbursement becomes unavoidable, submit a complete file at the earliest

If reimbursement becomes unavoidable, submit a complete file at the earliest

Compare nearby projects, negotiate the overall deal and not just the base price, and choose developers with strong delivery records to secure better value

Multi-year health insurance plans offer premium stability and upfront discounts, but buyers should weigh flexibility, portability and future healthcare needs

Succession-related issues can add to the difficulty. Legal heirs often need multiple documents. Coordinating several heirs can be difficult

Check the final payable amount, remove pre-ticked add-ons, and preserve screenshots if you need to complain

Equity savings funds usually suffer much lower drawdowns than pure equity funds

Check back-test and live-trading data, drawdowns, and net-of-cost returns before you adopt an algo