A look back at this month's headlines

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.