Investing Insights

FinEdge

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FinEdge is India's leading tech enabled investment management company and manages over 1400 crores of goal-based investments for its 20,000 clients spread across 1700 cities in the country.

Our team combines deep financial planning experience with behavioral insights to help investors make smart, goal-aligned decisions.

A red calculator placed on an open ledger or account book with a pink pencil beside it, suggesting budgeting, tracking expenses, and personal finance planning.

10 “Personal Finance Commandments”

As the year draws to a close, it's time to reflect on how we can improve our financial habits. In this blog, we present the "Ten Commandments" of personal finance that will guide you towards a more secure and prosperous financial future. From controlling spending to understanding the importance of insurance and investments, these commandments are designed to help you stay disciplined, make smarter decisions, and set a solid foundation for long-term financial freedom. Follow these commandments, and you’ll be closer to achieving your financial goals in the year ahead!

Notebook labeled “Money Habits” placed beside financial documents and a calculator, representing smart personal finance practices

5 Money Habits of the “Financially Wise”!

Ever wondered how the truly “financially wise” approach their day to day personal finances? This week, FinEdge presents 5 money habits that are nearly universal to all those who are en route to financial Nirvana!

Five Steps To Achieve Financial Freedom This Year

In this blog, explore five key strategies to improve your financial health and move closer to financial freedom. From consolidating investments to automating tax savings, we’ll guide you on how to structure your finances, set clear goals, and make smart, long-term investment decisions that will work in your favor.

Red “Risk Free” book used to represent mutual fund myth-busting about whether GILT funds are truly risk-free for investors.

Mutual Fund Myth-busting: Are GILT Funds Risk Free?

GILT funds, often seen as low-risk investments due to their reliance on government securities, are actually more volatile than many investors realize. In this article, we’ll explore the hidden risks of GILT funds, including how interest rate fluctuations and the long-term maturity of government bonds can lead to sharp price movements. While they can provide impressive returns in certain conditions, they are not risk-free. If you’re considering investing in GILT funds, it's important to consult a financial advisor and understand how market dynamics can affect your returns, especially in the short term.

Graphic depicting sunk cost bias in investing, with a dollar sign sinking into the ocean and sharks surrounding it.

Beware of The Sunk Cost Bias

The Sunk Cost Bias traps investors into holding onto losing investments just because they’ve already committed time and money. This mental pitfall leads to poor financial decisions, like averaging down a failing stock or refusing to cut losses. The solution? Evaluate your investments with a fresh perspective, challenge your assumptions, and exit when the facts change—just as Keynes wisely advised!

Figurines on a volatile financial chart, symbolizing strategic mutual fund investing through Systematic Investment Plans (SIP).

Why SIP's are the Best Way to Invest into Volatile Equity Markets

In this blog, discover how SIPs (Systematic Investment Plans) can help you navigate market volatility with ease. Learn how the strategy of Rupee Cost Averaging works to mitigate risks, and why staying invested for the long term is the key to wealth creation, even during market downturns.

Nifty 50 vs Nifty Next 50 comparison showing market trends and index performance analysis

Nifty 50 vs Nifty Next 50: What’s the Difference

Nifty 50 and Nifty Next 50 both represent large companies, but they behave very differently. Understanding how they differ can help you think more clearly about stability, growth, and long-term investing.

Reprioritising financial goals illustration with growth arrows and finances, showing goal-based investing and financial planning adjustments

How to Reprioritise Financial Goals as Life Changes

Financial plans don’t fail overnigh they drift as life changes. A timely portfolio review and goal-based investing approach can help you realign and stay on track.

FinEdge team receiving ET Bharat’s Best to a Billion award on stage at ET Edge event, highlighting recognition and business growth

FinEdge Recognised Among ET Edge Bharat’s Best to a Billion

Recognised by ET Edge among Bharat’s Best to a Billion. A reflection of disciplined growth and long-term thinking.

Risk–reward relationship in investing illustrated with stock market chart showing how higher investment risk may influence long-term returns.

Does Taking More Risk in Investing Really Pay Off?

Short-term comparisons often distort how investors perceive risk in the market. Understanding how risk and reward interact over time can lead to more thoughtful investing decisions.

Why Return-Focused Investing Fails in Volatile Markets

Return-focused investing fails in volatile markets because it relies on recent performance as the primary decision-making anchor. When markets fluctuate sharply, investors who chase returns tend to react emotionally switching funds, exiting prematurely, or increasing risk at the wrong time. Over time, these reactions interrupt compounding and damage long-term wealth creation.

How NAV works in mutual funds, explaining the common ₹10 NAV myth with a financial market visual

Are NFOs Cheaper at ₹10 NAV? Understanding the Mutual Fund Myth

Many investors believe that New Fund Offers (NFOs) are cheaper or promise higher returns simply because their Net Asset Value (NAV) starts at ₹10. This assumption, however, comes from confusing mutual funds with stock IPOs. Let’s understand why NAV does not determine mutual fund returns.