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Be mindful of sub-limits on mental illnesses in your insurance cover

OPD covers compensate for counselling sessions, but these always have a sub-limit

Cash-strapped patients with Covid-19 infection can consider loans

In a health emergency, speed of disbursement is more important than cost

What you should do to soften the blow of second Covid wave on your finances

This is a time to focus not on maximising upside gains but curtailing downside risks

Opt for fixed maturity plan if you need discipline of a lock-in: Experts

FMPs allow investors to lock into current yields. The scheme information document indicates the fund's allocation to instruments of various credit ratings

Low sum insured, sub-limits give rise to partial payouts: Experts

Supplement a policy with a substantial emergency corpus

E-wallets are similar to bank accounts, but more convenient: Experts

Will help those who can't ensure minimum balance

Hike in NPS investment management fee need not be a deterrent: Experts

Invest if you want tax benefit and are okay with long lock-in and 40% annuitisation

On second thoughts

Book review of Think again: The Power of Knowing What you Don't Know

Move quickly and lock into current small-saving rates wherever you can

However, do so only if your asset allocation requires you to invest more on the debt side, and you are comfortable with the long lock-in

To generate alpha, investors should opt for factor-based funds: Experts

As they have a short history, take only a small exposure to these funds initially in your satellite portfolio

Returns from equities likely to be lower in FY22, say market experts

Advise sticking to shorter duration debt funds and using correction for accumulating gold

Govt cuts interest rates on small savings schemes effective from April 1

The rate of interest on PPF has declined from 7.1 per cent earlier to 6.4 per cent now

Enter constant maturity gilt ETFs with 5-year plan, say analysts

Conservative investors looking to lock in returns should opt for target maturity ETFs/index funds

Rejig wage structure to benefit from EPF rule change, say analysts

If employer contribution is low, get salary restructured to enjoy higher tax-free interest

Health insurance claim rejection: Insurers may turn more cautious

Onus may now shift to them to justify rejection after Irdai's circular

Fractional ownership is for deep-pocketed investors, say analysts

Most retail investors will be better off opting for a REIT

Rich but not ultra? Even you can now invest in grade A commercial property

Fractional ownership platforms give you access to this coveted asset class if you have Rs 25 lakh to spare

Secured loans may help you tackle tighter credit norms, say experts

Presence of collateral allows lenders to relax their criteria while sanctioning of these loans

Multiple benefits of deferred annuities: How you can choose the right one

Savvy investors can expect to earn better returns by investing in alternatives

Comparing insurance products difficult? Opt for a standard policy

Evolved buyers with specific needs should go for comprehensive personal accident cover