Nagaraja Sirigeri

This is a common question I hear from investors who are planning early retirement. And the answer is not a simple yes or no. It depends on your goal, your risk appetite and your comfort with market fluctuations. Let’s break it down. You have one goal: retirement at 50, and you have a clear timeline of 17 years. With one long-term goal, it is possible to use one fund, but only in specific situations. When one fund might be enough If your risk appetite is moderate or low, and you do not want to...

If you’ve ever planned an international trip, you’ve probably wondered:  “Should I buy travel insurance right before I leave, or now?” It’s a simple question, but an important one. The Short Answer: You can buy your travel insurance anytime before your trip begins.  Your premium is calculated based on: The start and end dates  of your travel Your destination Your age The coverage amount  you choose Even if you purchase your policy a month in advance, the cost won’t increase  because what...

A gentleman once came to us with a worried face. He said, “I have diabetes and blood pressure. Everyone tells me no insurance company will touch my case. Is that true?” This is one of the most common fears people have when it comes to health insurance.  The truth is: yes, you can still get covered even if you have pre-existing conditions. But here’s how it really works: If your condition is mild to moderate (like controlled diabetes, hypertension, thyroid), most insurers will issue the...