Your Money

Should I invest in sector funds such as banking, technology, pharma

Sector funds can deliver strong returns during market rallies, but investors must weigh concentration risk, high valuations and volatility before investing.

Index vs actively managed funds: What's better for new investors?

As passive investing grows, new investors must choose between low-cost index funds and the higher-fee promise of active management

Opportunities, risks, taxes: What to know about investing in world markets

International equities allows investors to hedge against concentration risk, capture emerging growth themes

Taking a career break? Plan these investments before quitting your job

Planning your finances before quitting your job can mean the difference between a liberating life break and monetary crisis

Past return is just one metric to pick a mutual fund: Know what to do

Beyond chasing historical performance, building long-term wealth requires matching mutual funds to your time horizon, risk tolerance, investment goal.

Currency movements, taxation: Risks to know before investing abroad

Retail investors diversifying into global markets should consider the impact of geopolitical events

Why salaried people need personal health insurance beyond company offer

Building a personal cover early secures low premiums, covers waiting periods and ensures lifelong protection

Investment, aspiration, safety: Setting up a plan for 3 financial goals

Why one-size-fits-all risk profiling fails and how partitioning your portfolio protects your money

From savings to settlement: How to set up funds for house down payment

A blueprint for protecting your capital and structuring low-risk investments to ensure your house deposit is ready on closing day

What is estate planning: Nomination, joint holding, beneficiaries and Will

Without the correct paperwork, a savings account or a demat portfolio can become legally inaccessible

Check costs, sub-limits and network restrictions before buying OPD cover

Read the policy wording and understand the sub-limits and network-related issues before purchasing the policy

Silver slips 17% in a month: Should investors buy the dip or stay cautious?

Higher US real yields, a stronger dollar, weak investment demand and industrial concerns have pressured silver, though experts remain cautiously positive over the medium term

Gold loan stress rising: How to avoid a debt trap and manage repayments

Rising repayment delays and tighter renewal rules underline the risks of using gold loans to manage existing debt

No Will, shared inheritance? How a release deed can settle property rights

A release deed can help consolidate ownership among legal heirs, but removing a name from land records does not automatically end inheritance rights

Don't let erroneous hospital records hold up your claim: Know your rights

A Delhi consumer court ruling highlights why insurers cannot reject claims over unreasonable document demands and why policyholders must ensure their medical records are accurate.

Clear loans, secure insurance before investing, says Harsh Roongta

Business Standard Smart Investor Arena 2026: Roongta said building a savings habit matters more than chasing returns early in one's career

Tokenisation can unlock hidden wealth, cut borrowing costs: Mudrex CEO

Business Standard Smart Investor Arena 2026: Edul Patel said tokenisation could make assets such as gold, bonds and property easier to access and use as collateral

How should spouse secure family's finances after husband's demise

Prioritise money for immediate expenses, trace assets, check nomination and inheritance rights

IPO offer document: What to read, what to skip when assessing fundamentals

Do targeted reading of the prospectus to assess an IPO on fundamentals

How to pick a car loan this festive season: EMI, tenure and prepayment tips

Cap total equated monthly instalments at 40 per cent of take-home income, choose a manageable tenure, and check prepayment terms