Karthik Jerome

If a 5% to 10% fall in the equity market gives you sleepless nights, you are not cut out for a 75% to 80% allocation to equities and must reduce it.

Patience can be rewarding. 'Post-listing, sanity often returns to valuations of newly-listed businesses within six to nine months. Buy then.'

Those who want to invest should consider their risk appetite. Youngsters may go for it as they have a longer horizon to recover from a setback.

A prudent guideline for self-employed individuals is to target at least 10 to 15 times their actual annual income when determining life insurance coverage.

Borrowing from a fraudulent loan app subjects the borrower to a variety of risks.

'If equities perform well in a year, withdraw money from equities. If the equity market is down, shift withdrawal to the debt portion.'

LTA can be claimed only for domestic travel and is available for two journeys within a block of four years.

Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.

A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.

Health insurance coverage should be hiked periodically to keep pace with medical inflation, or increase in healthcare costs.