What & How Answers to Smart Money Questions

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How to negotiate salary hike when switching jobs without the offer getting cancelled?

answered 3 hours ago in Salary & Savings by Suresh Natarajan (36 points) | 2 views

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Is buying separate accidental insurance policy actually worth it in India?

answered 5 hours ago in Personal Finance by Vijay Anand (60 points) | 5 views

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How do ULIP surrender charges work? Can't figure out how much I'll actually get back

answered 11 hours ago in Personal Finance by Rajan Krishnamurthy (72 points) | 4 views

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Which super top-up health insurance is actually worth it in 2026?

answered 15 hours ago in Personal Finance by Harish Kumar (24 points) | 5 views

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Father passed away, he had term insurance — what exactly do we do now to claim it?

answered 18 hours ago in Personal Finance by Vijay Anand (60 points) | 4 views

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Is group health insurance from my company enough or should I buy separate policy?

answered 22 hours ago in Personal Finance by Preeti Malhotra (60 points) | 6 views

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Health insurance waiting period 3-4 years feels too long — any way to reduce it?

answered 1 day ago in Personal Finance by Preeti Malhotra (60 points) | 10 views

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How much health insurance is actually enough for family of 4 in India?

answered 1 day ago in Personal Finance by Balaji Srinivasan (48 points) | 8 views

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How much health insurance cover is actually enough for family of 4 in 2024?

answered 1 day ago in Personal Finance by Padma Seshadri (24 points) | 9 views

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Term insurance application rejected due to health condition — what are my options now?

answered 1 day ago in Personal Finance by Preeti Malhotra (60 points) | 21 views

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ELSS lock in 3 years — can I withdraw early if I have emergency?

answered 1 day ago in Mutual Funds by Prakash Sundaram (48 points) | 12 views

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Where to park emergency fund in 2026? Liquid fund or just savings account?

answered 2 days ago in Mutual Funds by Ramesh Chandran (48 points) | 12 views

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Should I increase my SIP every year? Step-up SIP actually worth it?

answered 2 days ago in Mutual Funds by Dinesh Raghavan (24 points) | 15 views

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How do I check if my mutual fund is direct or regular plan?

answered 2 days ago in Mutual Funds by Usha Nambiar (36 points) | 14 views

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SGB vs digital gold vs physical gold — which one actually makes sense in 2024?

answered 2 days ago in Mutual Funds by Prakash Sundaram (48 points) | 14 views

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Index fund vs ETF in India — what's actually the difference for a beginner?

answered 2 days ago in Mutual Funds by Balaji Srinivasan (48 points) | 14 views

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Can I actually start SIP with just ₹500 on Groww or Zerodha? Is it worth it?

answered 2 days ago in Mutual Funds by Gopal Krishnan (24 points) | 15 views

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NPS vs PPF vs ELSS — which one should I actually go with at 30?

answered 3 days ago in Mutual Funds by Preeti Malhotra (60 points) | 15 views

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Can I get a credit card as self employed with no ITR filed? What are my options?

answered 3 days ago in Credit Cards by Nalini Venkatesh (24 points) | 14 views

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Best credit card to save on petrol in a tier 2 city? Pump doesn't accept everything

answered 3 days ago in Credit Cards by Prakash Sundaram (48 points) | 21 views

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