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With equity returns uneven, non-convertible debentures are gaining traction as a middle path between FDs and stocks-but investors must weigh credit risk, liquidity, and issuer quality before investing

New investors should enter only if they have the required investment horizon and risk appetite, not merely because these funds have rallied

Reconcile investment details with bank records, Form 26AS and AIS before tax filing

Combine base policy with super top-up, opt for policy with favourable bonus norms to manage premium cost

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

Employees whose cost to company includes these components may find the old regime more beneficial this year

A resurgence of inflation could keep policy tight. Prolonged high interest rates could weigh on valuations and multiples

With flight disruptions rising amid geopolitical tensions, travellers must check insurance coverage, exclusions, and claim conditions carefully before heading abroad this summer

On Akshaya Tritiya, choose gold wisely-jewellery for sentiment, ETFs and SGBs for returns; verify purity, costs, and tax impact before investing

As senior living projects expand rapidly, experts advise buyers to assess developers' track record, service quality, costs and long-term sustainability 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

A specialised indemnity heart policy makes sense for someone diagnosed with a coronary disease, or one who has undergone a procedure like angioplasty or bypass surgery

Repay loans on time, keep credit utilisation below 30%, and avoid too many applications within a short period

Choosing the right NPS fund manager requires evaluating returns, risk, and portfolio strategy across equity, debt, and government securities for long-term stability

The exuberance seen in 2023 and early 2024 is no longer evident. Elevated property prices have strained affordability and slowed down the pace of transactions

To tackle inflation, consider hybrid or increasing annuities, or combine fixed annuity with mutual funds; for legacy planning, opt for return-of-premium options

New investors may make a staggered entry with a horizon that matches these funds' portfolio maturity

Make full disclosure of existing conditions, lifestyle habits, and past treatments