 "Karthik Jerome")
Karthik Jerome
Karthik Jerome
Karthik Jerome writes for Business Standard on the intricacies of personal finance. He has a decade of experience in banking, having previously worked as a sales officer at HDFC Bank and as a relationship manager at ICICI Prudential, which gives him unique insights into his subject matter.
Karthik Jerome writes for Business Standard on the intricacies of personal finance. He has a decade of experience in banking, having previously worked as a sales officer at HDFC Bank and as a relationship manager at ICICI Prudential, which gives him unique insights into his subject matter.
Karthik Jerome
Avoid reimbursement claims to reduce stress during hospitalisation
Check the hospital's network status before admission and complete pre-authorisation on time
 "Avoid reimbursement claims to reduce stress during hospitalisation")
Use slowdown in housing sales to negotiate a better property deal
Compare nearby projects, negotiate the overall deal and not just the base price, and choose developers with strong delivery records to secure better value
 "Use slowdown in housing sales to negotiate a better property deal")
Multi-year health insurance: Lock in premiums, but check exit rules first
Multi-year health insurance plans offer premium stability and upfront discounts, but buyers should weigh flexibility, portability and future healthcare needs
 "Multi-year health insurance: Lock in premiums, but check exit rules first")
What Sebi's new framework for securities transfer means for heirs
Succession-related issues can add to the difficulty. Legal heirs often need multiple documents. Coordinating several heirs can be difficult
 "What Sebi's new framework for securities transfer means for heirs")
Don't let dark patterns quietly inflate your online shopping bills
Check the final payable amount, remove pre-ticked add-ons, and preserve screenshots if you need to complain
 "Don't let dark patterns quietly inflate your online shopping bills")
Equity savings funds: A sound option for stability-seeking investors
Equity savings funds usually suffer much lower drawdowns than pure equity funds
 "Equity savings funds: A sound option for stability-seeking investors")
Planning to use algo trading? Key checks retail investors must make
Check back-test and live-trading data, drawdowns, and net-of-cost returns before you adopt an algo
 "Planning to use algo trading? Key checks retail investors must make")
Outflows from gold ETFs signal caution; how should investors respond?
Existing investors should book partial profits if overweight; new ones should build exposure in a staggered manner
 "Outflows from gold ETFs signal caution; how should investors respond?")
BaaS lowers entry cost of EV ownership, but may not always be cheaper
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
 "BaaS lowers entry cost of EV ownership, but may not always be cheaper")
Started retirement planning at 40? Here's how to catch up in time
Step up savings rate, build equity-heavy portfolio, and automate investments
 "Started retirement planning at 40? Here's how to catch up in time")
Forty and behind on retirement savings? Here's a catch-up plan
Step up savings rate, build equity-heavy portfolio, and automate investments
 "Forty and behind on retirement savings? Here's a catch-up plan")
Understand risks and liquidity constraints before investing in an SME IPO
Understand why listing day gains are harder to book than might appear
 "Understand risks and liquidity constraints before investing in an SME IPO")
How to prevent rejection of EV insurance claim: Key precautions to take
As EV adoption rises, insurers warn that improper charging, unauthorised modifications, and delayed reporting can lead to claim rejection
 "How to prevent rejection of EV insurance claim: Key precautions to take")
Participating plans: Should they be in your investment portfolio?
Only highly conservative investors who are satisfied with steady but low returns over a long span may consider them
 "Participating plans: Should they be in your investment portfolio?")
One more REIT now available, but are they the right instrument for you?
Interest rate cycle affects the attractiveness of REITs; a longer horizon is essential to overcome its impact
 "One more REIT now available, but are they the right instrument for you?")
Benefits, pitfalls of maternity cover you should be aware of before buying
Watch out for sub-limits and waiting periods that often accompany this cover
 "Benefits, pitfalls of maternity cover you should be aware of before buying")
What NPS' new asset allocation, withdrawal options mean for you
Surrender of annuity will be allowed only if it meets the terms of the contract
 "What NPS' new asset allocation, withdrawal options mean for you")
After run-up in precious metals, what steps should investors take?
Rebalance away from gold and silver and towards equity and debt
 "After run-up in precious metals, what steps should investors take?")
Pharma, healthcare funds are in recovery mode. Should you enter them now?
Hold existing investments if you have a long horizon; book partial profits if exposure exceeds 10 per cent
 "Pharma, healthcare funds are in recovery mode. Should you enter them now?")
Corporate fixed deposits: Use laddering strategy to tackle rate uncertainty
Chasing high returns by investing in lower-rated instruments could result in loss of principal
 "Corporate fixed deposits: Use laddering strategy to tackle rate uncertainty")