Teena Jain Kaushal

Global ETFs continue trading at premiums ranging from roughly 8 percent to as high as 20 percent levels that shows pricing inefficiency.

Valuations are reasonably attractive. In some segments, valuations are as attractive as they were during Covid lows, the Dezerv co-founder tells Moneycontrol

Lounge access is no longer as straightforward as before. Many cards now require a minimum spend in the previous quarter to unlock lounge visits, while others have reduced the number of free entries

Focus on 2–4 cards aligned to your core spending categories. With benefits now conditional on active usage, disciplined spending on fewer cards beats scattered spending across many.

This is not the time to move away from Indian equities just because recent returns have been muted. It is a time to gradually build exposure in India, Parekh tells Moneycontrol

Income plus arbitrage fund of funds combine two components: debt and arbitrage. The debt portion is typically invested in short- to medium-duration instruments, while the arbitrage component captures price differences between the cash and futures markets.

On the lending side, the stigma around borrowing has reduced meaningfully, particularly among younger customers, said Jairam Sridharan

"Protection and traditional products will remain key focus areas. We see a huge opportunity because penetration within our bancassurance network remains low."

Under MSF you can have products ranging from 100% equity exposure to debt-oriented structures. Fund managers can also dynamically adjust allocation based on market conditions.

One of the biggest attractions today is the yield available on short-term instruments. DSP points out that three-month certificates of deposit (CDs) are currently offering spreads of more than 200 basis points, while nine-month CDs are offering spreads exceeding 250 basis points.