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Ask an investor what their advisor's investment portfolio management system actually does, and most will describe the app they log into. That app is a thin window into a much larger system running underneath, and understanding that system is the fastest way to judge whether a manager is genuinely eq...

Investment insurance sells certainty. A guaranteed maturity value, a guaranteed income, a promise that does not move with markets. That certainty is genuine and for some investors it is exactly right. It is also not free. This article prices the guarantee, so you can decide whether what you give up ...

Life Insurance and Investment: When Combining Them Works

The standard advice is to keep life insurance and investment apart, and for most Indian investors that advice is sound. But standard advice applied without judgement becomes its own form of mis selling. There are three investor profiles for who...

Most insurance investors get the order wrong. They build a portfolio first and treat cover as an afterthought, or buy a policy for tax reasons and never check whether the sum assured means anything. An uninsured portfolio is not really a portfolio. It is a reserve waiting to be liquidated at the wor...

This is the oldest argument in Indian personal finance. Buy a life insurance with investment plan that does both jobs, or buy cheap term cover and invest the difference. Both camps argue with conviction and neither usually shows the arithmetic. This article sets out the structure of that comparison ...