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

The Points You Do Not Own

Investors spend hours defending their reward points but ignore the cost that quietly shrinks their savings every year
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.

Buying the fund house

Judging listed fund houses by the metric that matters most
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