Value Research

Investors spend hours defending their reward points but ignore the cost that quietly shrinks their savings every year

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.

Dhirendra Kumar explains why two funds in the same category can be two very different products, and the one document that tells them apart.

Judging listed fund houses by the metric that matters most

You spent 35 years learning not to react. Then you retire with time, a corpus and a phone, and the habit that built the money starts working against it.

Dhirendra Kumar sets three entry conditions for small caps, and says all of them are compulsory.

A four-test method for judging funds still finding their feet

Why the '2-3 per cent pay all the tax' argument gets the maths wrong

Why the NAV of a mutual fund doesn't indicate its price and what you should actually pay attention to

A shortage explains why a premium can exist, but the crowd's behaviour explains why it reaches 80 per cent in just a few days