@Siddarth With Quant betting more on PSU banks and NBFCs while launching this new Small & Mid-Cap SIF, I am trying to figure out the real risk. Is it wise to invest so much in a few sectors when the potential reward might not outweigh the risks posed by volatility and changing rules?

Considering the Kotak Gen2Gen Term Plan, what are its key features, benefits, and drawbacks, especially regarding coverage for two generations and return of premium options?