Investing Insights

Two Interesting Mutual Fund investing “thumb rules”

Read this blog to learn interesting thumb rules that can help you compare one time as well as SIP investments. To know more, Visit FinEdge Now!

A hand holding a jar labelled “Education” filled with rolled currency notes and topped with a graduation cap.

How to safeguard your Child’s Education Goal

Providing a top-class education to our kids generally ranks at the top of the list when it comes to financial goals. And why not? In today’s hypercompetitive professional environment, a quality degree can provide your kids with a vital edge to get ahead. The problem – a good education typically doesn’t come cheap, and a proper child education plan is absolutely critical. A financial planner can help! Here are a few things to keep in mind.

Hand placing a wooden block labelled “Y” on stacked coins spelling “SALARY,” symbolising deciding how much of one’s income to invest in mutual funds.

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.

Money bag with a rupee symbol beside the words “Mutual Funds,” representing investing to achieve financial goals.

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.

Financial experts reviewing data reports with charts and graphs on a desk, illustrating common mutual fund pitfalls to avoid for better investment outcomes.

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.

Person typing on laptop with financial icons and RBI rate hike impact headline

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.

Illustration representing personal money management and financial planning in your 30s

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.

Stacked coins arranged by year blocks with an hourglass, symbolising long-term financial planning and securing a better future for children and parents.

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.

A stack of gold coins beside a compass and a tag reading “Investment Plan,” symbolising guidance and planning for personal finance and investing.

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.

A financial advisor explaining investment planning using charts and reports.

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.