The Influential 40

Your fund lost money. That doesn't make it a bad fund. September and October have left most portfolios in the red. That number says more about when you invested than about the fund you chose.

The right question After 24 years, readers' worries have changed, but the real challenge is still knowing which questions to ask

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.