Karthik Jerome

Existing investors should book partial profits if overweight; new ones should build exposure in a staggered manner

Battery as a Service reduces the upfront cost of buying an electric vehicle, but recurring payments, contract terms and resale concerns mean it works best for users with moderate distance driving

Step up savings rate, build equity-heavy portfolio, and automate investments

Step up savings rate, build equity-heavy portfolio, and automate investments

Understand why listing day gains are harder to book than might appear

As EV adoption rises, insurers warn that improper charging, unauthorised modifications, and delayed reporting can lead to claim rejection

Only highly conservative investors who are satisfied with steady but low returns over a long span may consider them

Interest rate cycle affects the attractiveness of REITs; a longer horizon is essential to overcome its impact

Watch out for sub-limits and waiting periods that often accompany this cover

Surrender of annuity will be allowed only if it meets the terms of the contract

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