Investment & Savings - Cash Babu | Personal Finance Blog

Can SWP Replace Traditional Pension Plans? A Smart Retirement Strategy You Shouldn’t Miss | SWP as a pension substitute

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…

MITHUN SAMANTA June 13, 2025

Mutual Fund Investment & Savings

Debt Mutual Funds vs Equity Mutual Funds: Which is Better in 2025?

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…

MITHUN SAMANTA June 9, 2025

Mutual Fund

Which SIP is Best Suited for Me for a Period of 3 Years?

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…

MITHUN SAMANTA June 6, 2025

Investment & Savings Mutual Fund

ETFs: Advantages & Disadvantages

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…

MITHUN SAMANTA June 2, 2025

Financial Literacy Mutual Fund Stock Market

Why I Chose Mutual Funds Over Direct Stocks: A Life-Changing Journey of a Middle-Class Dreamer

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.…

MITHUN SAMANTA June 1, 2025

Mutual Fund

Liquid Funds for Short-Term Investment in India | The Smart Middle-Class Strategy for Short-Term Financial Safety

Understanding Liquid Funds for Short-Term Investment in India Liquid funds are a type of debt mutual fund that invests in short-term money market instruments like treasury bills, commercial papers, and…

MITHUN SAMANTA May 31, 2025

Mutual Fund

Best Fixed Income Mutual Funds for Falling Interest Rates: A 2025 Guide for Middle-Class Investors

Understanding the Impact of Falling Interest Rates on Investments When interest rates decline, bond prices typically rise. This inverse relationship means that certain mutual funds, especially those focused on fixed…

MITHUN SAMANTA May 30, 2025

Investment & Savings Mutual Fund

Types of Mutual Fund Schemes and How to Invest in Them

Types of Mutual Fund Schemes A mutual fund scheme is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other…

MITHUN SAMANTA May 29, 2025

Investment & Savings Mutual Fund

What is TREPS in Mutual Funds & Why Mutual Funds Invest in TREPS?

Mutual funds follow a diverse investment strategy to grow wealth while maintaining flexibility. TREPS (Treasury Bills Repurchase Agreement) is a low-risk option for short-term investors. It allows mutual funds to…

MITHUN SAMANTA May 26, 2025

Financial Literacy Mutual Fund

SIP Investment Strategy: Rs 5,000 for 30 Years vs Rs 25,000 for 16 Years – A Middle-Class Perspective

Understanding SIP Investment Strategies for Long-Term Wealth Creation Systematic Investment Plans (SIPs) have become a cornerstone for middle-class Indians aiming for financial stability. By investing a fixed amount regularly, individuals…

MITHUN SAMANTA May 23, 2025