Investing Insights

A pair of glasses and a pen placed on a financial report showing a pie chart of investment allocations.

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.

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?

Multi asset fund concept showing diversified investments across assets with umbrella protection, charts, and coins representing balanced portfolio allocation.

What Is a Multi Asset Allocation Fund? Understanding Multi Asset Funds

Multi asset funds aim to combine different asset classes like equity, debt, and commodities within a single portfolio. Understanding how they work can help investors evaluate whether this diversified approach fits their investment strategy.

Risk–reward relationship in investing illustrated with stock market chart showing how higher investment risk may influence long-term returns.

Does Taking More Risk in Investing Really Pay Off?

Short-term comparisons often distort how investors perceive risk in the market. Understanding how risk and reward interact over time can lead to more thoughtful investing decisions.

Tax harvesting strategy illustration showing calculator, financial documents, and tax planning for reducing capital gains tax on investments.

Tax Harvesting Explained: How Investors Can Reduce Capital Gains Tax

Tax harvesting is a strategy that helps investors legally reduce the tax payable on their investments. By understanding how capital gains are taxed and when to realize gains or losses, investors can make their portfolios more tax-efficient without disrupting long-term goals.

Retirement planning illustration showing financial plan with EPF, NPS, PPF, SCSS and mutual fund options in India

Retirement Planning Options in India: Understanding Your Choices

Explore retirement planning options in India including EPF, NPS, PPF, SCSS, and mutual funds. Learn how to choose investments aligned with your retirement goals.