The day even HDFC said no to gold

The PM appealed against gold on Sunday. Customs duty rose 15 per cent today. By evening, HDFC withdrew its Gold and Silver NFO. Here is what to do about your portfolio.

Buying gold on Dhanteras is not investing

Honour the ritual, but count Dhanteras jewellery as spending. Gold you hold as insurance needs a form you can sell cheaply, and a necklace is not that form.

What changed inside India's insurance regulator?

A consultation paper from IRDAI that reads more like an investigation than a policy proposal is a surprise for anyone who follows this industry

Policyholders win 63% of complaints against insurers

IRDA data shows policyholders win at every stage, from the Bima Bharosa portal to the ombudsman to the courts. That says a lot about insurer behaviour.

The final layer is human

An investing app can pick the fund but it cannot keep you from selling it at the bottom.

Only 7% of life insurance payouts are death claims

IRDAI's own consultation paper shows surrender payouts are five times larger than death claims. This industry is not selling protection. It is selling an exit.