Diwali gold shopping? Skip jewellery, go Sovereign Gold Bonds (SGBs).library​ 2.5% interest + appreciationTax-free 8-year maturity—no 3% GST, locker fees, or 10-15% resale losses. Exchange traded easeMinimum ₹5k buys fractional grams; sovereign guarantee beats making charges. Rupee averaging trickBuy across

Golden years need smart planning. Balance tax savings with growth potential.library​ NPS advantagesTax-free 60% lump sum at 60; 40% annuity mandatory at 6-8% returns + 80CCD ₹50k extra. Mutual fund flexibilityFull liquidity post-5 years at 12-15% historical equity returns—no annuity

Scams stole ₹1,800 crore last year—don’t be next. Simple habits keep money safe. Verify before transferringCheck beneficiary names on UPI; never click SMS investment links promising 20% returns. Biometric demat securityEnable 2FA everywhere; review SIP statements monthly for unauthorized trades.

Regulations evolve fast—stay ahead of IRDAI’s big shifts coming from April 2026.​ Cashless everywhere mandateNo more network hospital limits—treatment anywhere, anytime without upfront payments. Climate premium hikesProperty rates up 15% from flood claims; cyber compulsory for ₹5 crore+ turnover businesses.

Loans fuel dreams, but life happens. Protect your venture from the unexpected.​ EMI protection ridersCovers payments if illness/disability strikes on ₹50 lakhs+ working capital loans. Keyman insuranceSafeguards lender collateral if founder incapacitated—banks prefer insured borrowers. Group personal accidentNominal premium covers

Small teams deserve big protection without big costs. Group plans change the game.​ 30-40% premium savingsCovers 10+ employees + families up to ₹5 lakhs sum insured—cheaper than individuals. Attract top talentMaternity benefits and wellness perks like gym discounts retain staff;