Value Research

After 24 years, readers' worries have changed, but the real challenge is still knowing which questions to ask

Who these bonds suit, and Dhirendra Kumar's checklist for working out whether you should buy them or pay the tax instead.

An investing app can pick the fund but it cannot keep you from selling it at the bottom.

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.

A consultation paper from IRDAI that reads more like an investigation than a policy proposal is a surprise for anyone who follows this industry

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.

A decision you made once is being overruled every single day. Dhirendra Kumar names the culprit.

Four frauds, three questions, and why being clever is no defence.

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.