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How to understand and navigate Health insurance, especially when you or your parents have chronic illness?

As chronic illnesses like diabetes, heart disease, and arthritis remain prevalent, it is difficult to navigate health insurance in India. These health disorders need on-going medical care, which heavily impacts health insurance decisions. The waiting time is an important consideration when purchasing chronic disease health insurance. This is the time between when you purchase the coverage …

What is known as ‘Base Rate Investing’?

In the rapidly changing field of finance, where emotions sometimes outweigh rationality, base rate investment provides a fresh viewpoint. This method, based on the notion of the ‘base rate fallacy’, enables investors to make judgments based on broad knowledge, minimizing the potential risks of responding to particular short-term influencing information. Let us first try to …

Are Indian Households investing more in stocks ?

From April 2020 to March 2023, Indian household financial savings totaled Rs. 86.2 lakh crore. Of this, 31.6 lakh crore went into fixed deposits with banks and other financial institutions, while 5.1 lakh crore went into mutual funds and equities, accounting for around 6% of the total movement. That is, just 6% has been invested in mutual funds …

Just Keep Buying – Book review

‘Just Keep Buying’, published in 2022 is a straightforward approach to personal finance that revels in debunking falsehoods and eliminating old cliches about money and personal finance. It delves into the psychology of money and presents a practical guide to making healthy financial decisions, including all-important subjects such as saving and making investments. The author, …