Sanjay Kumar

Verify hospital's cashless status before admission to avoid claim hassles

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

Verify hospital's cashless status before admission to avoid claim delays

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

Outlook for debt funds improves, but avoid chasing long-duration gains

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

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

Life cycle funds: A new category, but do they fit your portfolio needs?

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

How NRIs should navigate changes in tax status when returning to India

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

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

Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access

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

Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access

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

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

Started retirement planning at 40? Here's how to catch up in time

Step up savings rate, build equity-heavy portfolio, and automate investments

Forty and behind on retirement savings? Here's a catch-up plan

Step up savings rate, build equity-heavy portfolio, and automate investments

Understand risks and liquidity constraints before investing in an SME IPO

Understand why listing day gains are harder to book than might appear

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

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

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

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

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

After run-up in precious metals, what steps should investors take?

Rebalance away from gold and silver and towards equity and debt

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