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  Top investment strategies to adopt as an investor A lot has happened over the last three years — the COVID-19 pandemic, the United Kingdom withdrawing from the European Union, China and India engaged in border skirmishes, Biden’s inauguration as the President of the US, Kabul falling following the offensive Taliban attack, to the current Russian-Ukraine conflict, supply-side bottlenecks and multi decade-high inflation across various countries, to name a few. Various investors, family offices, and HNIs are changing the investment framework and strategies at the portfolio level targeted toward creating an all-weather portfolio. The objective of an all-weather portfolio is to navigate and withstand the vagaries of economic, business, and asset cycles. As a result, they are moving away from a single investment style and/or a buy-and-hold framework to a multi-investment style and/or core and satellite framework. In addition to the benefits of diversification across various investment sty

  Why you must opt for comprehensive health cover over and above your corporate insurance Health emergencies are on the rise once again, and amid these times, health insurance is a term that one hears quite often. But if we ask, do you have health insurance? A fairly large population would say yes, counting only the corporate cover provided by their employer. The numbers definitely vouch for the fact that a majority of people – as many as 50-60% of the working population – only rely on their corporate insurance to deal with health emergencies. While it’s great to have corporate insurance as an additional layer of protection, the key ingredient to shield you from rising medical inflation is, in fact, an individual health policy. A corporate policy alone is just not a good enough protection to battle huge hospital bills that often come unannounced – at least not in a post-pandemic world. Any unfortunate emergency holds the potential to wipe out an entire family’s treasured savings in no

  National Pension System: Family Pension of Missing Employees – New Rule If a Central Government Employee covered by CCS (Pension) rules 1972 goes missing during service, the benefits of arrears of salary, family pension, retirement gratuity, leave encashment, etc. are paid to his/her family. Instructions in this regard were issued vide an Office Memorandum (O.M.) dated 25th June 2013 of the Department of Pension and Pensioners’ Welfare (DoPPW). The Department has now decided to extend similar benefits to families of missing Central Government Employees covered under the National Pension System (NPS).  In an O.M. dated 28th April 2022, the DoPPW said “it has been decided to extend the benefits of this Department’s OM No. 1/17/2011-P&PW (E) dated 25.06.2013 to the families of Government servants covered by NPS who go missing during service.” “Accordingly, in all cases where a Government servant covered by NPS goes missing during service, the benefits of family pension may be paid t

  Health insurance tips: Should you opt for riders and top-up plans   As healthcare continues to become expensive, it has become important for everyone to get adequately covered through suitable health insurance. Experts suggest that one should be careful while selecting the right amount of health coverage.  The amount of health coverage one can get depends on the type of policy and the number of dependants. Ideally, a person should buy a plan providing a minimum coverage of Rs 5 lakh to Rs 10 lakh to keep themselves shielded against any health emergency.  Under health insurance, there are also options for riders and top-up plans to increase one’s health insurance coverage.  What are rides and top-up plans  In simple terms, a rider under health insurance is an add-on that provides additional benefits. For opting for a rider, the policyholder is required to pay some extra amount over the original premium. Typically, such incremental costs are minimal. Some of the popular riders provided