The guru element

What makes for a visionary investment expert

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.

Buying the fund house

Judging listed fund houses by the metric that matters most

Retirement's biggest risk is an empty afternoon

You spent 35 years learning not to react. Then you retire with time, a corpus and a phone, and the habit that built the money starts working against it.

The three-year wait

A four-test method for judging funds still finding their feet

The Points You Do Not Own

Investors spend hours defending their reward points but ignore the cost that quietly shrinks their savings every year