Big Decisions | NDTV Profit

Everyone needs a health insurance. But there are some questions that can't be ignored- How much should your cover be? What are pre existing conditions and how do they impact your premium? How do you cover your parents and at what point does it become too expensive? How do you effectively use top ups and super top ups? On this edition of Big Decisions, Vinit Iyer, Principal Officer & MD, Prudeno Wealth Advisors, speaks about everything you need to keep in mind when you think health insurance.

The National Pension Scheme is a great vehicle to help you save up for your retirement. But are you availing all the tax advantages? And how do you choose the best performing fund manager? Can you switch your manager midway through? And what about your asset allocation? Finally, when should you withdraw from the NPS? On this edition of Big Decisions, Managing Director & CEO of Etica Wealth, Gajendra Kothari, speaks about why the National Pension Scheme could be a good investment for you.

How do financial frauds take place? What are the different kinds of scams? What do you do if you’ve fallen prey? What’s RBI’s Zero Liability Policy? On this edition of Big Decisions, CEO of BankBazaar.com, Adhil Shetty, explains how you can keep yourself safe from financial frauds through prevention and cure.

Can debt be good for you? Is a zero-cost EMI actually zero cost? What do bankers assess before lending you money? How does does your digital footprint matter when taking a loan? On this edition of Big Decisions, retail banker Virat Diwanji explains the difference between good and bad debt, and everything around it.

How do you plan for a car? Do you even need one? Are car loans better than SIPs to fund a purchase? How can you upgrade your car without breaking the bank? Should you go for a top-end variant or a low-end one? In this edition of Big Decisions, Renuka Kirpalani, Consulting Editor at Autocar India and Mashable India, and Nikhil Kothari, Director at Etica Wealth, talk about what you need to keep in mind before buying a car.

How do you navigate life with a disability? How expensive does a disability get? How much of the expenses are taken care of by insurance? Are there any deductions for differently abled individuals in the tax regimes? On this edition of Big Decisions, Rushabh Desai, Founder of Rupee with Rushabh, talks about the financial and emotional reality of living with a disability, and how to strategise for it.

Should you buy a house as an investment? Are REITs a proposition you should consider? How do you calculate the overall cost of buying a home? What are the pros and cons of investing in commercial real estate as compared to residential? On this edition of Big Decisions, Founder of Germinate Investor Services, Santosh Joseph, and Chairman of ANAROCK Group, Anuj Puri share insights on whether real estate is a worthwhile investment.

Single parenting can feel like the hardest job, for a variety of reasons. But how do you ensure that your child's finances are taken care of? When do you include them in conversations about money? Can co-parenting aid in alleviating the financial burden and ensure that shared aspirations are met? On this edition of Big Decisions, Founder & CEO, Plan Ahead Wealth Advisors Vishal Dhawan shares his insights on managing savings and investments as a single parent.

What does it take to start up? What is the true cost of entrepreneurship? How important is initial capital? Are there any parallels to marathon running and running a business? On this edition of Big Decisions, co-founder & CEO of Sugar Cosmetics, and a Shark, Vineeta Singh answers all of these, as she delves into the good, the bad, and the ugly of entrepreneurship.

Thinking of getting a furry friend? Wondering about the monthly costs, medical emergencies, and pet insurance coverage? On Episode 15 of Big Decisions, veterinarian Dr. Vrushali Jadhav and Roongta Securities' Harshvardhan Roongta discuss everything you need to know before bringing a pet home.

Can't help but impulsively spend on momentary wants? Or are you too frugal and risk-averse with your investments? What are some subconscious investing biases you need to keep in check? On this edition of Big Decisions, practising psychiatrist Dr Anjali Chhabria and financial planner Kiran Telang talk about how your personality could be shaping how you save, spend and invest.

Have you been thinking of giving pocket money to your children to help them budget? Wondering how to even start a conversation about money with your child? Having issues navigating the peer pressure and saying 'no' to their demands? On this edition of Big Decisions, financial educator and Founder of Finsafe India, Mrin Agarwal, talks about what you need to keep in mind to make your child more financially responsible.

Have you been tempted by the 'get-rich-quick' and 'get-fit-quick' fads that you see while scrolling? Wondering how to bounce back after a financial setback, or a physical injury? On this edition of Big Decisions, Fight The Sunrise's Avinash Mansukhani and Plan Ahead Wealth Advisor's Vishal Dhawan talk about what you need to keep in mind while starting, and maintaining, your fitness and financial journey.

Have you been confused between a term and an endowment plan? Can IRDAI's recent reforms really help make insurance universal in India? What is the most common mistake that people make while buying health insurance? On this edition of Big Decisions, Mahavir Chopra of Beshak.org talks about what you need to keep in mind while choosing an insurance product.

Zar, zoru, and zameen have always been attractive to people, but does buying land make financial sense? If you've dreamt of buying land on the seaside or the hills, and developing it into a villa or a farmhouse, have you also considered the hidden costs of this investment or the legalities involved? On this edition of Big Decisions, our guests Harsh Parikh, Partner at Khaitan & Co, and Mohit Gang, Co-founder & CEO at Moneyfront, talk about what you need to keep in mind legally and financially if you're considering an investment in land.

If you're about to retire, you must constantly think, 'Have I saved enough.' How much of your investments need to comprise growth assets? How much should your retirement purse hold? Is an emergency medical fund necessary if you have health insurance? In this edition of Big Decisions, our guest Shalini Sekhri, Chief Growth Officer at Renaissance Investment Managers, shares how you can efficiently plan out your dream golden years.

As a Gen Z, should you have a 'fun fund'? How much of your monthly income should you invest? What's the best way to increment your earnings? Do you really need a private health insurance plan? On this edition of Big Decisions, our guest Udayan Adhye, founder of UdayanOnMoney, talks about how you can master your finances as a 20-something year old.

When should you have the 'money conversation' in your relationship? Should you or should you not merge finances? How do you balance financial dependence and independence as a young couple? In this episode of Big Decisions with Credence Family Office's Kirtan Shah, we look at the financial side of fairytales that movies don't talk about.

Is buying a property more sustainable than renting? What are the costs to keep in mind while opting for homeownership? How much of a loan should you be taking in terms of an EMI? In this episode of Big Decisions with Germinate Investor Services' Santosh Joseph, we delve deep into the age-old question of whether you should buy a house or live on rent.

Can freelancers obtain loans even without a fixed salary? Can they think of regular investments like SIPs or retirement planning along with managing daily expenses? On this episode of Big Decisions, Roongta Securities' Harshvardhan Roongta discusses why navigating a freelancer's cycle of feast and famine doesn't need to complicated.

Are you ever too young to make a will? What are the steps to draft a clear, specific inheritance plan? How is a will executed after the person's demise? On this episode of Big Decisions, Srujan Financial Services' Deepali Sen and Alex Mathew discuss why inheritance planning is probably the best thing you can do for your dependents.

What do women need to know about inheritance? Why do people shy away from talking about it? What is the importance of a will? Listen to this week's Big Decisions podcast with Alex Mathew and Khaitan & Co's Bijal Ajinkya.

In this episode of Big Decisions, Anand Rathi Wealth's Feroze Azeez lays out the other rules of the mind, which include ensuring that a goal is reasonable, developing a plan to reach the goal, avoiding distractions along the way, and adjusting strategy where required.

Life insurance products are probably the most mis-sold in the financial market in India. On this episode of Big Decisions, Monika Halan explains why mis-selling is so rampant and what an individual needs to bear in mind when they’re buying a life insurance policy.