Investing Insights

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.

Smart Profit Booking Strategy for Long-Term SIP Investors

Equity SIPs are great vehicles for long-term wealth creation. But what if markets are overheated and corrections seem likely? In such situations, investors often wonder: should I stay fully invested or take some action? This blog offers a tactical profit-booking strategy using liquid funds and STPs — without halting your SIP or losing sight of your goals.

How to Create a Fund for Your Child’s Marriage Goal

Before diving into numbers and strategy, it’s important to recognise that a child’s wedding is both a cherished family milestone and a major financial event. Planning for it thoughtfully ensures your aspirations don’t lead to financial stress.

Wooden blocks spelling “LOAN” placed beside a calculator, representing the decision between taking a loan or redeeming investments to finance a financial goal, with FinEdge branding.

Redeeming Investments vs Taking a Loan: What’s the Smarter Choice?

Easy credit has made borrowing more accessible than ever. But when a financial need arises, the real question isn’t can you borrow, it’s should you, or would redeeming investments be the wiser move?

Investing in the new year concept with clock and key symbolising timeless principles from renowned investors

Lessons From the World’s Best Investors to Carry Into the New Year

As one year ends and another begins, many investors look back at returns, missed opportunities, or decisions they wish they had made differently. But the most useful lessons rarely come from year-end numbers. They come from principles that have worked across decades and market cycles. As you step into the new year, these ideas from some of the world’s most respected investors offer a far more reliable guide than any forecast.

Investment consolidation concept showing stacked coins and market chart, highlighting benefits of managing investments on a single platform

Why Consolidating All Your Investments on One Platform Makes Sense

Many investors accumulate investments gradually, across employers, platforms, advisors, and products. Over time, what began as diversification can turn into fragmentation. Consolidating investments on one platform is not about reducing choice or control; it is about gaining clarity, aligning investments with goals, and improving decision-making across market cycles.

Chart illustrating why comparing investment returns without context can be misleading

Why Comparing Investment Returns Can Be Misleading

At some point, most investors have compared their investment returns with a friend, a colleague, or a number they saw online and wondered why their outcomes looked different. While this instinct is natural, return comparisons are often incomplete and, in many cases, misleading. Understanding why returns differ is far more important than comparing the numbers themselves.

CAGR vs XIRR vs absolute return comparison illustrating investment return concepts

CAGR vs XIRR vs Absolute Return: Understanding Which Return Really Matters

When reviewing investment performance, investors often come across multiple return figures absolute return, CAGR, and XIRR. While these numbers may appear similar, they measure performance very differently. Understanding what each metric represents, and when to use it, is essential for making informed investment decisions and setting realistic expectations.

Why how where investing framework illustrating goal-based and disciplined investing

Why Successful Investing Follows a Clear Why–How–Where Framework

Investing decisions are often influenced by market trends, recent performance, or product recommendations. However, long-term investment success depends more on structure than selection. A clear Why–How–Where framework brings discipline to investing by ensuring that goals are defined first, planning comes next, and product choices follow. This approach helps investors build portfolios that are aligned with their objectives and sustainable over time.

The Impact of Inflation on Your Retirement Plan

Inflation doesn’t feel alarming month to month, but over 25 years it can completely reshape your retirement needs. Planning with inflation in mind ensures your future lifestyle remains as comfortable as it is today.