Understanding Mutual Fund Underperformance As a middle-class investor, every rupee you invest carries the weight of your aspirations—be it your child’s education, a comfortable retirement, or a dream home. When a mutual fund underperforms, it can feel like these dreams are slipping away. Underperformance isn’t just about a fund not meeting expectations; it’s about consistently […]
Mutual Funds vs PMS: When it comes to growing and managing your wealth, today’s investors have a range of options tailored to different financial goals, risk appetites, and levels of involvement. Among these, Mutual Funds and Portfolio Management Services (PMS) are two popular choices that cater to everyone, from beginners to seasoned investors. While both […]
Regular vs Direct Mutual Funds: When investing in mutual funds, one of the first decisions you’ll need to make is choosing between a Regular Plan and a Direct Plan. While both options invest in the same mutual fund scheme, they differ significantly in cost structure, returns, and investment approach. Understanding the difference between the two […]
Introduction ELSS vs PPF Choosing between an Equity Linked Savings Scheme (ELSS) and a Public Provident Fund (PPF) is a pivotal decision when crafting a smart tax-saving strategy under Section 80C of the Income Tax Act. While ELSS attracts investors with the potential for higher, market-linked returns and a relatively short 3-year lock-in, PPF stands […]
ETF for Beginning Investors and Beyond: A Simple Guide to Smarter Investing Understanding the Buzz: What is an ETF? An Exchange Traded Fund (ETF) is like a hybrid between a mutual fund and a stock. It pools money from many investors to invest in a basket of assets—stocks, bonds, commodities, or indices—and it trades on […]
The Retirement Question: Where Will Your Monthly Income Come From? Have you ever thought that SWP as a pension substitute after your retirement? You’ve worked hard all your life. Now that retirement is approaching, one question looms large:“How will I generate monthly income after I stop working?” If you don’t have a government pension or […]
Debt Mutual Funds vs Equity Mutual Funds Choosing between debt and equity mutual funds in 2025 is no longer just about picking the safer or the more rewarding option—it’s about aligning your financial goals with evolving market dynamics. With changes in interest rates, inflation, and stock market trends, investors must assess which type of mutual […]
What’s the real question here? Best sip for 3 years? Or, When someone asks “Which SIP is best for 3 years?”, they’re not just asking for a fund name. They’re saying: “I want to grow my money, but I’m not sure how much risk to take in just 3 years.” If you’re in this phase […]
ETFs: Advantages & Disadvantages Exchange-Traded Funds (ETFs) have become increasingly popular among investors for their unique blend of features that combines aspects of both mutual funds and individual stocks. Traded on stock exchanges like regular shares, ETFs offer a cost-effective and flexible way to gain exposure to diversified portfolios of assets, including stocks, bonds, and […]
The Beginning: A Middle-Class Boy With Big Dreams Born into a middle-class family, I had one goal – to build a life better than the one I saw growing up. I chased degrees, worked in multiple corporate jobs, and said “yes” to every opportunity that promised stability. But deep down, I was hungry for freedom […]
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