Karthik Jerome

Rebalance away from gold and silver and towards equity and debt

Hold existing investments if you have a long horizon; book partial profits if exposure exceeds 10 per cent

Chasing high returns by investing in lower-rated instruments could result in loss of principal

Health insurance premiums tend to rise rapidly at older age

Those investing now should stagger their investments and enter with a long-term horizon

New investors should enter only if they have the required investment horizon and risk appetite, not merely because these funds have rallied

Appoint a guardian for minor nominees; update nominations after major life events

Multi-asset FoFs offer diversification in one fund, but investors must weigh costs, tax rules, and active vs passive strategies before investing

Digital platforms make FD investing easier, but investors must weigh risks, diversification, and post-tax returns instead of chasing high interest rates

Flexicap funds see record inflows, but investors should focus on suitability, risk, and fund manager consistency rather than chasing short-term returns

New investors may make a staggered entry with a horizon that matches these funds' portfolio maturity

Make full disclosure of existing conditions, lifestyle habits, and past treatments

Holding gold and global assets can help Indian investors hedge against rupee depreciation, manage inflation risks, and meet dollar-denominated goals such as overseas education and travel

Employers are using credit history to assess candidates for roles involving clients' money, credit decisions, and sensitive financial data

Diversify internationally, continue SIPs in equity funds, and move towards medium and shorter-duration debt funds

The entire retirement corpus will not be needed on day one, so it should be split into growth and income-generation buckets to manage inflation and longevity risks

Stay invested only if you have strong conviction, understand the sector, and can time your entry and exit

Last-minute choices made without considering needs could exact a high financial price

Arbitrage funds aim to capture the price difference between the spot price of a stock or index and its futures price when futures trade at a premium

Sebi's new rule allows AMCs to offer both value and contra funds with limited portfolio overlap. Here's how the two strategies differ and which investors they suit