Sanjay Kumar

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

While selecting one, check the safeguards and the tax-reporting support offered by it

While selecting one, check the safeguards and the tax-reporting support offered by it

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