Investing Insights

A student loan application form, representing applying for education financing.

All about Student Loans

With education expenses in India rising at the speed of knots, it’s no wonder that the popularity of student loans are on the rise. In fact, a recent article Economic Times article^ suggests that MBA costs are expected to rise at 15.26% per annum and other undergraduate expenses 12.59% in next five years. For undergraduate engineering courses, fees typically range from Rs 5-10 lakh, while for a five-year medical course at a private college this number could be upwards of Rs 50 lakh! For post-graduate management courses such an MBA or PGPM, fees could be more than Rs 10 lakh.

Illustration representing compound annual growth rate and steady long-term investment growth

CAGR - Demystified!

Understanding CAGR is crucial when evaluating your investments, especially for those with fluctuating returns like equity mutual funds or SIPs. By smoothing out annual growth rates, CAGR provides a clearer picture of your long-term investment performance. Just remember, the longer the investment period, the more accurate the CAGR becomes. Keep this in mind to make well-informed decisions about your financial future!

Home loan prepayment concept image representing the decision to pre-pay a housing loan and reduce interest.

Should you pre-pay your Home Loan?

Deciding whether to prepay your home loan or invest your lump sum? This article breaks down key considerations, from loan structure to tax benefits, helping you make an informed decision to reach financial freedom sooner.

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.

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?