Karthik Jerome

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

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