
Health Insurance Is Reinventing Itself From Illness to Wellness
Source/Contribution by : NJ Publications
Many Indian households view health insurance through a very narrow lens. Pay premiums every year, hoping that you would never have to use th...

Your Child's Dream College Will Cost - How Much?
Source/Contribution by : NJ Publications
The number is bigger than you think. The time is shorter than you feel. And the cost of waiting is greater than most parents realise.
Every...

Health Insurance 2.0 The Rise of Add-Ons, Riders, and Combo Policies
Source/Contribution by : NJ Publications
Health insurance in India has evolved significantly over the past decade. What used to be a simple hospitalization cover has now transformed ...

Got a Salary Hike Increase Your SIP Before Your Expenses Do
Source/Contribution by : NJ Publications
Congratulations! You’ve received that long-awaited email: the annual increment. The salary hike has hit your account, and the immediate inst...

Challenges in Holding a Direct Equity Portfolio
Source/Contribution by : NJ Publications
Every time we hear a rags-to-riches story, see a social media post about someone who turned ₹50,000 into ₹5 lakhs, or read about a stock tha...

Protect Your Income: Why A Comprehensive Personal Accident Insurance Matters?
Source/Contribution by : NJ Publications
Protect Your Income: Why A Comprehensive Personal Accident Insurance Matters?
Life is full of unknown risks. One can never really predict ho...

The Real Cost of Interrupting Your SIP
Source/Contribution by : NJ Publications
The markets have been on a rollercoaster lately, and if you’ve been tracking the headlines this week, you’ve likely felt that. The Nifty i...

Why Do We Panic When Markets Fall?
Source/Contribution by : NJ Publications
"The investor's chief problem-and even his worst enemy-is likely to be himself."
- Benjamin Graham
We like to think of ourselves as rational...

Why should life insurance be the first step in your financial planning?
Source/Contribution by : NJ Publications
Why should life insurance be the first step in your financial planning?
When we think about "financial planning," our minds usually jump str...

The Direct Plan Dilemma Why Going 'Direct' in Mutual Funds Can Cost You More Than You Save
Source/Contribution by : NJ Publications
Introduction: The 'Save on Expense Ratio' Trap
Over the last few years, Direct Plans of mutual funds have been aggressively promoted across...

When Global Conflict Shakes Markets - What Should Investors Do?
Source/Contribution by : NJ Publications
Last week, as news of fresh geopolitical tensions (US, Israel attacked Iran) flashed across television screens, something predictable happ...

Things to Do When Renewing Your Health Insurance Policy
Source/Contribution by : NJ Publications
Health insurance is one of the most important financial safety nets for you and your family. While buying a health insurance policy is a...

The Safety Trap Why Playing Safe May Cost You Your Future
Source/Contribution by : NJ Publications
India is more financially aware today than ever before. Mutual funds are part of everyday conversations, digital platforms have simplif...

The Budget That Actually Matters (And It’s Not the One from Delhi)
Source/Contribution by : NJ Publications
Every February, the nation pauses. Screens light up. Headlines flash.
What will the Union Budget bring this year-new tax slabs, higher deducti...

Read This Before Porting Your Health Insurance
Source/Contribution by : NJ Publications
Health insurance is one of the most important financial protections for a family today. Medical costs are rising every year, and a good h...

Your Money Can Pay You-Here’s How SWP Makes That Possible
Source/Contribution by : NJ Publications
We spend our entire lives working for money. We save, we sacrifice, and we watch our SIPs (Systematic Investment Plans) grow. But there ...

Start the Year Right: A Simple Financial Health Check for Investors
Source/Contribution by : NJ Publications
The beginning of a new year feels like a fresh notebook-clean pages, new possibilities, and a chance to do things better than before. Whi...

When Is the Best Time to Buy Life Insurance?
Source/Contribution by : NJ Publications
We Indians are great planners. We plan our weddings months in advance, we plan our children’s education years before they start school, ...

The Eighth Wonder: Why Compounding - Not “The Next Hot Scheme”- Is the True Path to Wealth?
Source/Contribution by : NJ Publications
In the dynamic, high-speed world of Indian finance-where a new stock tip goes viral every hour-it is easy to believe that wealth is bui...

Your Roadmap to a Worry-Free Retirement
Source/Contribution by : NJ Publications
You track the markets, dissect earnings reports, and speak the sophisticated language of Alpha and Beta. You are a disciplined investor...

Why Health Insurance for Your Parents is a Useful Investment?
Source/Contribution by : NJ Publications
As our parents age, their health becomes one of our top priorities. They have spent years caring for us, ensuring our wellbeing, and now...

The Cashless Effect How to Combat Overspending in the Digital Era?
Source/Contribution by : NJ Publications
Once upon a time, spending money meant physically parting with cash. You’d open your wallet, count the notes, and feel the money leave ...

The Guidance Gap: Whom to Trust for Your Mutual Funds - Distributor or Finfluencer?
Source/Contribution by : NJ Publications
Everyone's a financial expert these days - or at least, they sound like one.
Your social feed is filled with confident voices explaining...

Car Owner's Guide To Insurance
Source/Contribution by : NJ Publications
Owning a car is more than just a convenience-it is an investment and, for many, a dream fulfilled. But with this ownership comes responsi...

This Diwali, Light Up Your Wealth - Not Just Your Home
Source/Contribution by : NJ Publications
Diwali is the season of lights, laughter, and celebration. But let's face it-it's also the season when wallets tend to open a little too...

SIP Ki Katha: A Story of Discipline, Patience, and the Path to Prosperity
Source/Contribution by : NJ Publications
Building long-term wealth can seem like a daunting task, but what if there was a simple and disciplined approach that made it achievable...

5 Things to Remember Before Buying Term Life Insurance
Source/Contribution by : NJ Publications
In today's uncertain world, securing your family's financial future is not just wise—it's essential. One of the most effective ways to ...

Factor-based Funds: Investing with the Power of Data & Algorithms
Source/Contribution by : NJ Publications
The world of investing is changing rapidly, and at the heart of this transformation lies Factor-based Funds - a new-age approach where ...

The Illusion of Diversification: How to Build a Truly Resilient Mutual Fund Portfolio
Source/Contribution by : NJ Publications
"Don't put all your eggs in one basket" - every investor has heard this advice. For mutual fund investors, this often translates to hol...

5 Must-Have Insurance Policies in Your Financial Portfolio
Source/Contribution by : NJ Publications
When it comes to building a strong financial portfolio, most people focus on savings, investments, and growing our wealth. While these a...

Role of a Mutual Fund Distributor in Your Financial Well-being
Source/Contribution by : NJ Publications
When most investors think about mutual funds, the first things that come to mind are returns, risk, and tax-saving. But behind the scenes ...

Financial Freedom: What it Truly Means & How to Achieve It
Source/Contribution by : NJ Publications
As we celebrate the spirit of independence, it's a perfect time to reflect on another crucial form of freedom: financial freedom. While p...

Accidents Happen. Are You Covered?
Source/Contribution by : NJ Publications
In the past few weeks, India has witnessed a spate of accidents that have shocked the nation. From the tragic Ahmedabad plane crash landi...

Emergency Fund: Your Financial Safety Net
Source/Contribution by : NJ Publications
We all dream of building wealth, seeing our investments grow, and achieving financial freedom. But often, in our pursuit of big returns, we...

Learning from Others' Mistakes: The Smart Way to Invest
Source/Contribution by : NJ Publications
Most of us are wired to chase success stories in investing. We eagerly read stories of legendary investors and their incredible successes, ...

Avoid Common Mistakes While Buying Health Insurance
Source/Contribution by : NJ Publications
When it comes to health, we all want the best care for ourselves and our family. Medical expenses are rising quickly and unexpectedly, havi...

Increment & Incentive: Your Wealth's Turbo Boost Button
Source/Contribution by : NJ Publications
The office air is thick with excited whispers of appraisals and increments. New salaries are hitting accounts, and for many, that sweet bon...

The Ultimate Father’s Day Gift: Financial Freedom For Him
Source/Contribution by : NJ Publications
This Father's Day, as you scour for the perfect gift - another wallet, a gadget he'll use, or a "World's Best Dad" mug - stop and consider w...

A Smart Health Insurance with No Claim or Guaranteed Bonus
Source/Contribution by : NJ Publications
Medical treatments are becoming more expensive and sophisticated, meaning the cost of hospitalization, diagnostics and daycare procedures are...

Building Wealth the Bogle Way: 5 Enduring Investment Lessons
Source/Contribution by : NJ Publications
Navigating the world of investing can feel like traversing a complex maze, and without a solid understanding of the terrain, the journey can ...

The Mindful Investor: How Strategic Patience Builds Lasting Wealth?
Source/Contribution by : NJ Publications
In an age where financial markets react instantaneously to tweets, geopolitical tensions, and algorithmic trading, the most counterintuitive-...

Don't Delay In Buying Health Insurance
Source/Contribution by : NJ Publications
Health insurance is a financial safety net that protects you and your loved ones from unexpected medical expenses. Despite its undeniable imp...

Dodging Investment Traps: How to Pick the Right Mutual Funds
Source/Contribution by : NJ Publications
Dodging Investment Traps: How to Pick the Right Mutual Funds
By: NJ Team
Investing in mutual funds? Congratulations! You're on a path to potent...

Retirement: The Inevitable Future You Can't Afford to Ignore
Source/Contribution by : NJ Publications
We've all been guilty of it-pushing retirement planning to the back burner. "Retirement? That's decades away!" we tell ourselves, all while fa...

Never Travel Abroad Without Travel Insurance
Source/Contribution by : NJ Publications
Introduction
Traveling abroad can be an exciting and enriching experience. However, unforeseen events such as medical emergencies, flight ca...

Asset Allocation: An Underrated Strategy
Source/Contribution by : NJ Publications
The recent market turbulence has left many investors feeling anxious, watching their portfolios fluctuate with unsettling volatility. Headli...

Decoding Budget 2025: Key Takeaways
Source/Contribution by : NJ Publications
Investing is an essential way to grow wealth, build financial security, and achieve long-term needs such as retirement, education, or buying ...

Demystifying Investment Risk: How to Manage Investment Risk?
Source/Contribution by : NJ Publications
Investing is an essential way to grow wealth, build financial security, and achieve long-term needs such as retirement, education, or buy...

The Gift of Financial Security: Investing in Your Family's Future
Source/Contribution by : NJ Publications
We cherish the smiles on our loved ones' faces as they unwrap gifts carefully chosen just for them. But this year, consider going beyon...

2025 Investment Resolutions: Building a Stronger Financial Future
Source/Contribution by : NJ Publications
As the New Year is just around the corner, it's the perfect time to leave behind the setbacks of the past year and start fresh with a cle...

Do-It-Yourself Investing: A Risky Endeavor?
Source/Contribution by : NJ Publications
Do-It-Yourself (DIY) investing has gained significant popularity in recent years, with more and more individuals taking control of their f...

Senior Citizen Health Insurance - Protect Your Golden Years
Source/Contribution by : NJ Publications
As we age, our bodies become more susceptible to various health ailments. While the future is unpredictable, we can definitely prepare f...

Loan Against Mutual Funds: A Smart Financial Move
Source/Contribution by : NJ Publications
When it comes to life's significant moments like child education, marriage, retirement, etc., we probably have a plan in place. We even ...

Health Insurance For NRIs
Source/Contribution by : NJ Publications
Introduction
Living abroad as a Non-Resident Indian (NRI) brings a unique set of experiences. While you're building a life overseas, it's cruc...

Comprehensive Car Insurance: A Guide to Protecting Your Investment
Source/Contribution by : NJ Publications
Comprehensive Car Insurance: A Guide to Protecting Your Investment
Introduction
Comprehensive car insurance is a crucial component of responsib...

The Investor's Trifecta: Time, Pragmatism, and Pessimism
Source/Contribution by : NJ Publications
The Investor's Trifecta: Time, Pragmatism, and Pessimism
In the dynamic world of investments, where emotions can often cloud judgment, the th...

Season of Monsoon, Mosquitoes & Medical Insurance
Source/Contribution by : NJ Publications
Season of Monsoon, Mosquitoes & Medical Insurance
The monsoon season brings beauty and relief from the heat, it brings a welcome change from...

Debunking 7 Misconceptions About Investing
Source/Contribution by : NJ Publications
Debunking 7 Misconceptions About Investing
Investing wisely is not just about knowing what to do; it's also about understanding what not to ...

Solution Oriented Mutual Funds: Your Key to Need-Based Investing
In the evolving landscape of personal finance, mutual funds have emerged as a versatile and accessible investment vehicle for a wide range o...

Indian Mutual Fund Industry: The Year Gone By
Source/Contribution by : NJ Publications
Mutual funds are financial intermediaries that enable millions of small and big investors across the country to engage in and benefit from ...

6 Investment Lessons From Chanakya To Achieve Financial Success
Source/Contribution by : NJ Publications
Whether you are an investor or not, it is pretty certain that you must have heard about the famous Chanakya or his Nitis.
Chanakya was not o...

Why should you buy Health Insurance at a young age?
Source/Contribution by : NJ Publications
"I am young, do regular exercises, fit & healthy. Do I need health insurance?" Most of us ponder upon this question when someone talks about...

Increase Health Insurance Cover At No Extra Charges
Health insurance in the new era is providing you various kinds of coverages, like OPD coverage, worldwide treatment, no claim bonus, etc.
Toda...

Anywhere Cashless in Health Insurance
Health Insurance in India is growing widely and rapidly from the last few years. Recently, there has been some very critical reforms that will...

Mutual funds - One pill for all your financial goals
Source/Contribution by : NJ Publications
The majority of Indian investors do not have a structured approach to savings and investment. The amount of money saved is determined by thei...

Just Began Your Career - Financial Planning Tips
Source/Contribution by : NJ Publications
Born into a world of constant connectivity and boundless information, Gen Z is navigating adulthood with habits and preferences that set them ...

Modernisation in Car Insurance
In major cities, people prefer to travel by train or 2-wheeler even when they own a car to avoid traffic and reduce fuel expenses. However, ir...

How have different assets performed? The Asset Allocation Dilemma
Everyone wants to invest in the best-performing asset class every year. But, the thing is, it is nearly impossible to choose the best asset c...

Moving Beyond Resolutions: Power of Habits for Financial Well-Being
Source/Contribution by : NJ Publications
A new year is a fresh beginning - a time when we can reflect on the past and look forward to the future with a fresh perspective and a desire ...

Buying Insurance? Fill The Proposal Form Carefully
Insurance Policy is an agreement or a legal contract between the insurer, (the insurance company), and the insured or the policyholder /propo...

Mastering the Art of Wealth: Key Learnings from Charlie Munger's Life
In the investment world, few names resonated as profoundly as Charlie Munger, the renowned vice chairman of Berkshire Hathaway and the long-t...

Busting myths on Motor insurance
The number of deaths in road crashes in India was at an all-time high in 2022 with fatalities above 1.68 lakh. This is approximately 462 deat...

Protecting the 4 Ds of Risks with Insurance:
Today we live in a fast-paced, stress-filled life and we are knowingly and unknowingly exposed to many risks to life, health and property. Ma...

Managing Your Money Through The Lens of Personal Finance Ratios
In today's fast-paced world, managing personal finances can be a challenging task. Whether you are seeking professional guidance or prefer a ...

The Importance of Disclosures in Insurance
Insurance is the cornerstone of financial security, offering individuals a safety net against life's uncertainties. At its core, insurance is ...

Market at Highs: Is it Good Time to Invest
The equity markets have had an impressive run after the pandemic in India. The Indian economy has shown tremendous resilience and strong fund...

Common Grievances in Insurance Policies
Health insurance has always acted as a crucial safety net, giving people and families access to financial security against unanticipated medic...

Why Do Need-Based Investments Work Better?
Have we reached all of the goals that we've set for ourselves in life? Leaving other goals aside, let's talk about our growing list of finan...

Starting a SIP with Top-Up- A secret to wealth creation
Source/Contribution by : NJ Publications
In this fast-paced world, where time is precious and financial responsibilities grow with each passing day, finding an investment approach t...

Port Your Health Policy - Choose Wisely
Are you unhappy with your current health insurance company or plan? Do you find other health insurance plans to offer a comprehensive scope ...

Designing Your Health Insurance Portfolio
In today’s world, most people have a sedentary lifestyle with unhealthy dietary habits. Nowadays, we are even more prone to diseases caused...

Five Old-School Ideas That Still Work
"A father is a banker provided by nature." When we were kids, we often saw our fathers doing the best in terms of managing the finances and p...

Benefits and Features of Health Insurance Plans
As the proverb goes, "Health is Wealth", taking care of your health and the health of your family members is crucial. With the rising expense...

Asset Allocation Strategy - At the Heart of Your Personal Finance Journey
Do you love to have junk food and want to have it every day? But practically, you cannot have it daily because it can never grab all the nut...

Things to Do At the Start of the New Financial Year
Source/Contribution by : NJ Publications
A month has already passed since the start of the new financial year (FY). When it comes to any matter involving finances, accounts, and tax...

How to mitigate your loss due to accidents?
People generally assume that because they have a health insurance policy (HI), they would not require personal accident insurance as HI cove...

Sovereign Gold Bonds (SGB)
Indians are reputed to hold around 9-11% of the total physical gold in the world. It is estimated that more than 75% of Indian households ow...

Why your portfolio may be underperforming?
Every time the Indian markets, a specific stock, or a sector reaches a new milestone, a new notification from the media appears on our mobil...

Why be careful while filling out Insurance Proposal Form?
Insurance is an agreement between the insurer and the insured (policyholder). This agreement is based on the information the insured provide...

Teaching Growing Children All About Money
Are you the one who used piggy banks in your childhood to store all the money gifted to you by your relatives? Do you also remember getting ...

How Can You Be A Successful Investor?
Source/Contribution by : NJ Publications
Investing is a risk-versus-reward game. Where some have made millions, many more have lost. What are the characteristics that differentiate ...

Add-ons in your Health Insurance Policy
Having a basic health insurance policy is a great start to protect yourself from rising hospitalization costs and receive hassle-free, timely...

Union Budget 2023: A Brief Overview
The Big Picture:
Every year, the union budget is one of the most keenly watched events in the country. This year, the first budget of “Amrit K...

Ways to Reduce Risks in Investments
“Successful Investing is managing risk, not avoiding it.”
Benjamin Graham, the father of value investing might have said this decades ago, bu...

Introduction to Global Health Insurance Cover
The world has become a smaller place. Today, be it education, career, business or leisure /holidays, the national boundaries have blurred f...

Preparing Yourself For Rainy Days
Even though the COVID-19 global pandemic began more than two years ago, we are still feeling the effects and disruptions in our lives. If w...

Understanding & using SWP effectively
Saving and investing is a big part of your financial plans. Sometimes, even planning for your cash outflows becomes a vital component of...

Importance of Insurance in Financial Well-being
Uncertainty is omnipresent today and we live in a world full of uncertainties around us. We never know what will happen in the next hour...

The 7 Golden Rules of Wealth Creation
We all have dreams and aspirations, especially when we are young. Be it an early retirement or palatial home or a big car. Unfortunately...

The Behavioural Gap - Why Investors do not get returns they should?
Have you wondered why your fund seems to have delivered fantastic returns and yet your returns have been on the lower side? Well you are ...
