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<p>A decision you made once is being overruled every single day. Dhirendra Kumar names the culprit.</p>
<p>Four frauds, three questions, and why being clever is no defence.</p>

<p>Investors spend hours defending their reward points but ignore the cost that quietly shrinks their savings every year</p>

<p>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.</p>
<p>Dhirendra Kumar explains why two funds in the same category can be two very different products, and the one document that tells them apart.</p>

<p>Judging listed fund houses by the metric that matters most</p>

<p>You spent 35 years learning not to react. Then you retire with time, a corpus and a phone, and the habit that built the money starts working against it.</p>
<p>Dhirendra Kumar sets three entry conditions for small caps, and says all of them are compulsory.</p>

<p>A four-test method for judging funds still finding their feet</p>

<p>Why the '2-3 per cent pay all the tax' argument gets the maths wrong</p>