Investors must adopt a balanced approach, incorporating both styles in their portfolios.

Those who cannot bear significant downturns (as much as 40 per cent) or have a short horizon should exit entirely.

'Clients deemed higher-risk are required to update their KYC more frequently.'

Get a new QR code from an alternative provider. PhonePe, Google Pay, Pine Labs, etc are some of the other service providers.

Enhancing your credit score is the key to improving loan eligibility and securing a favourable interest rate.

Once a quality stock has been bought, the next challenge is to hold on to it -- no mean feat in this age of information overload and incessant noise.

Opinions vary, but fund managers remain bullish.

It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.

'If rate cuts happen, bond yields will come down and investors will make mark-to-market capital gains on them.'

These plans are best suited for individuals with a lower risk appetite as they provide guaranteed benefits.

'Try to obtain a secured personal loan or credit card by offering some collateral, such as a fixed deposit or gold.' 'Not only will this improve your eligibility, but the lender may even offer a lower interest rate.'

'Look not just at the interest rate but also the processing fee.'

Rebalance your portfolio in case it has become overweight on equities vis-a-vis your strategic asset allocation.

Try to assess whether the broker has good knowledge of the prices prevailing in the area you are interested in, and is able to provide the pros and cons of various projects.

Keep revising the sum insured at the time of renewal to keep it in line with inflation.

The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.

Group term insurance is far more cost-effective than an individual cover.

'Investors don't have to worry about underperformance in passive funds, which earn market-equivalent returns.'

While equity savings funds could offer higher returns over three-five years, they would also be more volatile.

'Banks will continue to increase FD rates to attract more deposits and meet the increasing demand for credit.'