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?

Jar of coins labelled retirement signifying changes in the financial plan post retirement

What Changes In Your Investment Strategy After Retirement (And Why It Matters)

Retirement changes the role your money plays in your life. It is no longer just about growing wealth, but about using it in a structured and sustainable way. Understanding this shift is essential to making your savings last over decades.

Financial health assessment showing cash flow analysis and financial foundation planning charts

Before You Start Investing: How To Understand Your Financial Health

When it comes to investing, most people focus on where to invest. But before that, there is a more important question, are you financially ready?

SIF investment suitability showing specialised investment funds for portfolio allocation decisions

Who Should Consider SIFs And Who Should Avoid Them?

Specialised Investment Funds (SIFs) are a relatively new addition to the investment landscape. Understanding where they fit, and where they don’t, is essential before considering them.

Mutual fund ratios showing risk and return balance with alpha beta and sharpe concepts

Mutual Fund Ratios Explained: How To Understand Fund Performance And Risk

Returns may tell you how a mutual fund has performed, but they don’t tell you the full story. To truly understand risk, consistency, and efficiency, you need to look beyond returns. This is where mutual fund ratios become useful.

NRI retirement planning in India with long-term financial goals and returning home concept

Retirement Planning For NRIs: How To Build Your Future In India

Planning retirement from abroad comes with a different set of considerations. For NRIs who intend to return to India, the focus is not just on building a corpus, but on aligning it with future lifestyle, costs, and long-term stability.

Life cycle mutual funds in India showing goal-based investing and long-term wealth growth

What Are Life Cycle Funds And How Do They Work In India?

Life cycle funds bring structure to long-term investing by aligning your portfolio with time. As your goal approaches, the fund gradually reduces risk without requiring constant intervention. Understanding how this works can help you evaluate whether it fits your investment approach.