Investing Insights

FinEdge

Author

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.

How Much of Your Salary Should You Invest in Mutual Funds?

One of the most common questions that a mutual fund investment planner gets asked is – how much of one’s salary should be invested into mutual funds every month? Is their any thumb rule that can help you arrive at an “ideal” figure? And as a lot of investment advisors say, is more always better? Here are some answers.

How a Mutual Fund Planner can help you to reach your financial goals

Planning for your financial goals is essential, and a mutual fund investment planner can help you create a structured approach. From setting up a comprehensive financial plan to automating savings through SIPs and stepping up your contributions, a planner ensures you stay on track and align your investments with your goals. Regular tracking can also boost your chances of success.

Five Mutual Fund Pitfalls to avoid

Mutual Fund investing can be tricky, especially if markets play spoilsport – and a lot of investors who seek out a mutual fund advisor online end up falling prey to investing biases. If you’re a Mutual Fund investor during these uncertain times, watch out for these 5 pitfalls.

Goal Planning using a Step-Up SIP Calculator

Here’s a common scenario – you undergo online investment planning using a DIY app or website, and it turns out that you need to save Rs. 25,000 per month to meet your financial goal. However, your monthly surplus is just Rs. 5,000. Disheartened, you put off your decision to invest altogether “for a better time”. Unfortunately, that better time never ends up coming about.

What Women expect from their Financial Planners

Women are earning more, living longer, and controlling a larger proportion of discretionary spends and household investment decisions than ever before. Many women stand to inherit twice – first from their fathers, and then their husbands. And yet, global experts suggest that 5 out of 6 women feel that they aren’t being well served by their Financial Planners.

How RBI Rate Hikes impact your Mutual Fund investments

Rising interest rates directly impact mutual fund investments, particularly debt funds, as bond prices drop in a high-rate environment, leading to lower returns, especially for long-maturity funds. While equity funds may also see short-term declines due to higher corporate borrowing costs and reduced liquidity, investors are advised to stay focused on goal-based investing, avoid market timing, and maintain SIPs to benefit from long-term cost averaging.

In your 30s? Here’s how you should approach money management

Your 30s are a crucial time for investment planning, balancing wealth creation with growing responsibilities. Avoid reckless trading, overly conservative investments, and unnecessary life insurance. Instead, focus on long-term mutual fund SIPs, step up contributions annually, and use a SIP calculator to align investments with your financial goals.

How financial planning can make you a better parent

High-quality financial planning not only secures your future but also helps you become a better parent by enabling a well-balanced lifestyle, covering risks with adequate insurance, and achieving financial goals like your child's education. Additionally, it reduces financial stress, ensuring you're mentally present and fostering a supportive environment for your family, while a strong retirement plan alleviates dependence on your children, benefiting future generations.

Three personal finance lessons you wish you learned in school!

Most of us learned about algebra and the water cycle in school—but not how to budget, invest, or grow our wealth. Here are three personal finance lessons you probably wish you were taught early, and how learning them now can still change your life.

How Financial Advice is helpful in Investment Planning

With the widespread proliferation of FinTech based DIY (Do it Yourself) investment planning platforms, the role of a financial advisor has taken a backseat in the minds of some people. While the convenience and ease of transactions that these DIY financial advice platforms provide cannot be disputed, the ultimate efficacy of financial advice is the end outcome – which is, does it enable you to achieve your financial goals or not? And anecdotal evidence suggests that platforms that remove the financial advisor from the investment planning process are usually found wanting when it comes to this litmus test.

What are the main objectives of Financial Planning?

Financial planning is more than just choosing investments—it helps you manage your budget, track your financial health, and make informed money decisions. A well-structured plan reinforces good investment behavior and keeps you on track to achieve your financial goals, ensuring long-term financial security.

How can you make the best use of a SIP Calculator?

If you’re new to Mutual Fund investing, the first question that you’ll ask is whether you should invest a lump sum or start a SIP (Systematic Investment Plan). If you decide on a latter, a Mutual Fund SIP Calculator can be extremely helpful. However, a lot of investors who are new to SIP investments tend to remain confused about how to use a SIP calculator to arrive at an investment plan that is optimally suited for their financial goals. Part of this confusion about the SIP calculator stems from the fact that many investors end up confused about how SIP returns are calculated in the first place!