While investments are typically reviewed annually, risk cover is often left unchanged for years.
'We expect modest returns in 2026 versus the steep gains seen over the past few years.'
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
Investors encountering underperformance must be patient.
Make sure the rider adds value rather than just adding to cost.
'Reviewing terms such as war, invasion, acts of foreign enemies or hostilities, which often appear in industry exclusion lists, can help avoid surprises at the time of claim.'
Younger customers should opt for increasing cover as their financial commitments are likely to rise in the future.
Avoid donating without checking the receipt proforma showing the political party's ECI registration number and PAN.
Algo trading should be segregated in a separate account with only risk capital deployed.
Passive funds appeal to investors seeking to avoid the risk of underperformance by the fund manager and minimise the need for frequent chopping and changing of funds.
Beginning November 1, 2025, bank customers can name up to four nominees for their accounts and lockers.
'Allocating 5 to 10 per cent of one's portfolio and staying disciplined through market cycles helps in having a positive investment experience.'
The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
Those who have long retirement horizons of 15 to 20 years and seek higher long-term returns may opt for MSF. Investors nearing retirement (under 10 years) or those with low risk tolerance should stay away.
Quoting an incorrect PAN during property registration can invite penalties and prosecution.
Investors can meet cash needs without selling their securities.
'Some buyers get carried away by festival offers and purchase higher variants or larger vehicles than they truly need, which impacts running cost and long-term affordability.'
'Investing in these funds makes sense if their net yield over better-quality funds -- corporate bond funds or banking and PSU funds -- is meaningful.'
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
Investors may wait for six months and then take another look at the stock.
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