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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.

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.