Sanjay Kumar

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

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