Investing Insights

How Many Mutual Funds should you own?

Learn how to avoid the pitfalls of over-diversification and scattered investments in this blog. We’ll explore the ideal number of Mutual Funds to hold, the importance of focused portfolios, and how to streamline your investments for optimal returns and better financial planning.

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.

Why You Should Begin Your Tax Savings For 2017-18 Right Now!

Don’t let last-minute tax-saving rush lead to poor financial decisions! Instead of locking money in low-return instruments, start an SIP in an ELSS fund. It offers tax benefits under Section 80C, the shortest lock-in period (3 years), and the potential for long-term growth. Plan wisely and let your investments work for you!

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.

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!

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.

Stacking coins beside a miniature house representing financial planning for home purchase and loan readiness

Why a Home Purchase Plan is Important – A Home Loan Checklist

Owning a home is more than just a milestone, it’s a financial journey that requires careful planning. A well-structured Home Purchase Plan helps you strategically manage your down payment, home loan, and repayment strategy, ensuring financial stability and peace of mind. With the right investment approach, including SIPs in Mutual Funds, you can efficiently accumulate funds, reduce interest burdens, and achieve debt-free homeownership faster.

Close-up of Indian 500 rupee notes and coins symbolizing currency volatility and investment protection strategies in 2025

Rupee Falling in 2025? Here’s How to Protect and Grow Your Investments!

Imagine you had been saving to buy the new iPhone. A few months ago, the price was Rs.80,000, but now, since the rupee has fallen against the dollar, the price has soared to Rs.85,000. You’re paying more for the same product simply because the rupee has depreciated relative to the dollar. This is exactly what happens when the rupee weakens—it makes everything we import (such as fuel, electronics, and raw materials) costlier.

Stacks of coins with an upward arrow illustrating the impact of inflation on long-term financial goals

The Impact of Inflation on Your Financial Goals

Inflation is the unknown devil that keeps devaluing your savings. We hear about inflation rates in the news, but it’s easy to overlook their significance. While we may notice rising prices in our day-to-day purchases, we often fail to consider how inflation impacts our long-term financial goals. In this article, we’ll uncover the true impact of inflation on your financial journey and share strategies to help you stay ahead of it.

Hand stacking coins to illustrate how SIPs can benefit from falling markets through rupee cost averaging

How Falling Markets Can Benefit Your SIP Plan

Market downturns can trigger anxiety, but for SIP investors, they present a golden opportunity. By consistently investing through volatility, you benefit from rupee cost averaging, accumulating more units at lower prices and enhancing long-term returns. With the power of compounding and a disciplined approach, SIPs turn market dips into wealth-building moments

Stack of coins and money bag representing SIP investments in small cap mutual funds during market volatilityStack of coins and money bag representing SIP investments in small cap mutual funds during market volatility

Should You Continue Your SIP in Small Cap Mutual Funds

Investing in small cap funds requires patience and discipline, especially during market corrections. By staying committed to your SIPs and focusing on long-term goals, you can leverage the power of rupee cost averaging and compounding. Don’t let short-term market noise dictate your strategy—remain focused, stay the course, and trust that your disciplined approach will yield results over time.

Illustration of a Systematic Withdrawal Plan showing regular income flow from mutual fund investments to a bank

Systematic Withdrawal Plans (SWP): A Reliable Way to Generate Regular Income

An SWP allows investors to withdraw a predetermined amount from their mutual fund investments at regular intervals, such as monthly, quarterly or annually. The beauty of SWPs lies in their flexibility—they provide consistent income while allowing the remaining investment to continue growing.