Category: Risk Analysis

Every financial decision carries some risk, whether it is an insurance policy that no longer fits, a credit card charge that compounds, a FEMA rule you missed or an investment that moves more than you expected. Financial risk analysis is simply the habit of spotting these risks early and deciding how much of each you are willing to carry.

Articles in this category look at risk from several angles. On protection, we explain joint term insurance for couples, life policy surrender values and the process to surrender a LIC policy. On credit, you will find the new credit card rules, how finance charges are calculated and what a non-performing asset means under the RBI’s 90-day rule. On investing, we cover the Sharpe ratio as a measure of risk-adjusted return and how futures and options trading works. We also look at compliance and family risks, including FEMA violations and what happens when someone dies without a will.

Wealth Munshi, an AMFI-registered mutual fund distributor (ARN 141775) in Hyderabad, helps NRI and HNI families review these exposures through our risk analysis service and insurance planning. You can also start with our risk profile questionnaire to understand your own comfort with market ups and downs.

Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Derivatives trading carries a high risk of loss.