Aarati Krishnan

Head - Insurance and Investments

About Aarati

Aarati is a leading voice in the Indian financial services space. She has been tracking and writing about the entire gamut of financial products and regulations for over 25 years now. Aarati was among a select few analysts in the country, tracking and analysing mutual funds, way back in 1994. She was also among the few to voice concerns over US-64 before its collapse. She is currently Editorial Consultant for the Hindu Business Line and was earlier a consulting editor for Value Research Online. For her pioneering work in writing on financial services and the economy, she was awarded the Shriram Sanlam award for excellence in Financial Journalism thrice.

Aarati brings with her a detailed understanding of the world of personal finance from the perspectives of the industry, regulators, government, and, most importantly, the investor. She has always been a strong voice speaking out on behalf of the retail investor and saver and a passionate advocate for greater transparency and customer-friendly innovations from financial product manufacturers. Aarati will lead the insurance and investment products verticals at PrimeInvestor as a consultant.

Aarati is a cost accountant and management graduate.

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Aarati's recent articles

Changes in our FD strategy and new FD recommendations
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Aarati Krishnan

Changes in our FD strategy and new FD recommendations

“When facts change, it is best to change your mind.” It is not clear if this pragmatic statement was made by John Maynard Keynes or Winston Churchill. But it definitely applies to the world of investing where one needs to scout for the best opportunities after factoring in constantly changing asset prices, interest rates, macroeconomic conditions and regulations.

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SDL bond opportunity
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Aarati Krishnan

How to play the SDL bond opportunity?

How to play the SDL bond opportunity?
It’s not an easy life for fixed income investors looking to earn decent yields today. With RBI regularly mopping up government securities through its G-SAP programme and also reining in yields on new issues, the 10-year government security has been caught in a range of 5.8 to 6.3 per cent for the last one year, despite elevated inflation. 

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InvIT option for income seekers
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Aarati Krishnan

Prime Recommendation: A high-yielding InvIT option for income seekers

Indian investors looking for a high yielding InvIT option for income seekers with relative safety have very limited choices today. Infrastructure Investment Trusts or InvITs, which are a halfway house between stocks and bonds, offer such investors a shot at earning higher yields without high risk to their capital. 

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FD, Fixed deposits, FD strategy, DICGC
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Aarati Krishnan

Why your FD strategy needs a rethink

Ever since we started our coverage of FD products at PrimeInvestor, we’ve taken a very conservative approach to the entities whose deposits we recommend. Always putting capital safety over rates, our recommended list of FDs has been made up mainly of post office schemes, systemically important banks and very select NBFCs.

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critical illness
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Aarati Krishnan

Critical checks to make on critical illness covers

You do need insurance to cover this risk. We think that critical illness policies would be a good choice here. The advantage of buying a critical illness insurance plan is that on diagnosis of a specified serious illness, the insurer pays you a promised lumpsum amount with no questions asked on how you’re planning to spend the money. Critical illness covers are usually offered from a very young age with the age of entry capped at 60 or 65. These policies, however, offer life-long renewability. While many insurers waive medical tests for younger folk, taking such a test can ensure a better claims experience at a later date.

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1 crore, 1 crore health policy, health insurance
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Aarati Krishnan

Why you don’t need a Rs 1 crore health policy

Recent reports suggest that as many as 35% of health insurance buyers in recent times – mainly in their 30s and 40s – are buying Rs 1 crore health insurance plans, against just 5% who used to buy them earlier.

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