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9 Money Mistakes That Drain Your Wealth
Overspending: If you spend more than you earn it leads to debt accumulation and constant financial stress. Budgeting and tracking expenses are key to staying in control. (Image: AI Generated)
Neglecting Emergency Savings: Without an emergency fund, unexpected expenses can force you into high-interest debt. Aim to save 3–6 months of living expenses. (Image: AI Generated)
Accumulating High-Interest Debts: Credit card balances and payday loans grow rapidly due to high interest rates. Always pay off high-interest debts first to prevent wealth erosion. (Image: AI Generated)
Ignoring Retirement Planning: Delaying retirement contributions reduces the power of compound interest. Start early and contribute consistently to secure your future. (Image: AI Generated)
Impulse Spending: Emotional purchases and impulsive buying can add up quickly. Pause before every major purchase and ask if it aligns with your financial goals. (Image: AI Generated)
Failing To Invest: Keeping money idle in low-interest accounts limits growth. Smart investments in stocks, bonds, or mutual funds helps your wealth compound over time. (Image: AI Generated)
Lack Of Financial Education: Ignorance about taxes, investments, and budgeting can cost you significantly. Continuously educate yourself to make informed decisions. (Image: AI Generated)
Avoiding Insurance: Skipping health, life, or property insurance exposes you to financial risk. Adequate coverage protects your assets and prevents unexpected losses. (Image: AI Generated)
Chasing Short-Term Gains: Always focus on long-term strategies that build sustainable wealth. (Image: AI Generated)
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SEBI proposes stricter base price and band rules for gold, silver ETFs, including cooling-off periods after sharp global price swings to curb volatility.
Amid Global Commodity Volatility, SEBI Plans New Price Band Rules for Gold, Silver ETFs
The market regulator has sought to curb extreme volatility in gold and silver Exchange Traded Funds (ETFs) by proposing changes to the base price and price band framework. Currently, there are no separate price bands for ETFs aligned with their underlying assets, making them vulnerable to sharp price movements.
The proposal comes after sharp volatility in gold and silver ETFs triggered by fluctuations in global commodity prices. On some days, these ETFs fell by over 15%, while on others, they recorded sharp gains.
Stock exchanges currently apply a fixed price band of plus or minus 20% on the base price of ETFs, except for Overnight ETFs investing only in TREPs, which have a price band of plus or minus 5%.
Moreover, the base price for applying price bands to ETFs is taken as the T-2 day closing Net Asset Value (NAV) by exchanges, instead of the T-1 day closing NAV or price, as is the case with indices and individual stocks. This creates a challenge, as the closing NAV of ETFs typically differs between T-1 and T-2 days. Corporate actions such as bonuses and dividends are adjusted manually, increasing the risk of errors.
What Are the Key Proposals?
SEBI has proposed that the base price be determined using either the closing price of the ETF on T-1 day (weighted average price of the last 30 minutes), the closing NAV of T-1 day, or the average indicative NAV (iNAV) of the last 30 minutes of T-1 day.
Further, the regulator has proposed an initial price band of plus or minus 10% for equity and debt ETFs, which can be flexed up to plus or minus 20%. A cooling-off period of 15 minutes will apply, and up to two flexes will be allowed in a day.
For gold and silver ETFs, the regulator has proposed an initial price band of plus or minus 6%, which can be flexed up to plus or minus 20%. This will also include a 15-minute cooling-off period.
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February 14, 2026, 16:08 IST
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Oil and Gas Regulatory Authority (OGRA) forwarded a summary to the federal government suggesting an increase of Rs4.39 per liter in petrol price for the next fortnight.
After approval from the federal government, one liter of petrol will be sold at Rs257.56 instead of Rs253.17 per liter.
The price of high-speed diesel (HSD) will be increased by Rs5.40 per liter.
After approval, the price of one liter of high-speed diesel will increase by Rs268.38 to Rs273.78.
The proposal to increase the price of kerosene by Rs4 per liter is also on the cards.
The OGRA also recommended increasing the price of one liter of light diesel by Rs6.55.
The new prices of petroleum products will be effective from February 16, 2026.
Due to tension between the USA and Iran, petroleum prices are likely to increase further.
The group, based in Solihull and Wolverhampton, says its vet bills are costing them more.
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