We’re bored—of all the sage advice we’ve read in the last few days on where you should invest in 2010. Money Matters believes that the best way to invest is not to change what you do each year but to continue your financial plan as an ongoing exercise. Our only advice on your money is this: continue your provident fund, public provident fund, systematic investment plans this year. Keep paying the premiums for your term life cover and for the medical insurance you already have. Our take on 2010 is different. We believe that 2010 will be the year of smoother transactions and processes, with comparison being a key focus area for you and the intermediaries. Whether it is an online marketplace as in the mutual fund industry that allows transactions, maintainance, advice and analysis for no charge or mobile banking that will turn your cellphone into a wallet. Insurance, the product most difficult to compare, is also getting bridled. Though only non-life insurance products are most amenable to comparison right now, expect some action in the life insurance space as well. E-filing has already been available, but expect this year to see more of us using it smartly to save on time and effort. Choosing a home loan is a process that leaves most of us feeling cheated—there was no way of comparing rates and features. A number of online portals are helping us with our choices and paperwork. A great year to consolidate your money life.