Seek advice from Sebi-registered investment advisors whose names are available on Sebi's Web site.

Buy from an established agent rather than a novice who may not be around when you need his assistance.

Going through the credit report regularly will make you aware of a number of issues. One is identity theft.

Don't exit from growth-style funds as they may benefit next from a shift in investor preference.

Besides high portfolio yield, investors may enjoy capital gains in debt funds in 2023 as bonds rally in anticipation of rate cuts.

'AI can be very useful for making analysis and especially making city-based local forecasts.'