Sanjay Kumar

Avoid leverage, respect valuations and let earnings, cash flows and balance sheet strength, not narratives, guide investment decisions

Besides a high current yield, it is also crucial to assess whether it will sustain

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

Compare total cost and maintain a buffer to reduce auction risk

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

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

Verify alerts through official channels, never install files sent by text, and report fraud immediately

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

Annuitise only essential expenses, retain liquidity and compare payout options and rates before purchase

Those who do not understand the underlying equity and debt indices should stay away

Credit utilisation ratio should remain below 30%

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

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

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

Keep the core allocation in short- to medium-duration funds; match fund maturity with financial goals

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

Check the maturity date, glide path, costs, tax treatment and exit load before investing

As their status changes from NRI to RNOR and then to ROR, both their tax and disclosure obligations change

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