Sector Funds Sector funds focus on a single slice of the economy—banking, pharma, IT, energy and so on. Because they concentrate bets, they can amplify both gains and losses versus diversified equity funds. Investors who want a targeted call on a theme often use sector funds as a small satellite holding around a broader core […]

Retirement in India has changed. Unlike your grandfather’s government pension, most seniors today struggle with rising costs of medicines and groceries. The government created special savings schemes for people over sixty – simple plans that work better than regular savings accounts. When Rajesh from Delhi retired, his bank manager suggested SCSS. Now he gets steady […]

When you finally bought your car, you probably thought the hardest part was done. You picked the model, bargained with the dealer, got the colour you wanted, and signed that loan agreement without thinking much about it. Months later, the monthly EMI reminder keeps buzzing on your phone, and you start wondering — “Am I […]

Introduction In Coimbatore, Kavya runs a small packaging unit that supplies boxes to food brands. One week, diesel prices rose, the rupee slipped, and her biggest buyer asked for more time to pay. She did not rush. She opened a simple risk plan she had prepared earlier, called a second transporter already approved, used a […]

Introduction Let me tell you a story. Last year, right before Diwali, my printing shop in Ahmedabad was buzzing. Orders were coming in faster than we could handle. Just when I thought business was at its peak, my main machine gave up on me. The repair guy didn’t even sugar-coat it — “Boss, this one’s […]

Intro Paragraph In every market cycle, the debate of stocks vs mutual funds returns to the center of the investing conversation. A first time saver who is deciding between stocks vs mutual funds looks for clarity more than jargon. A seasoned investor who rebalances a portfolio also weighs stocks vs mutual funds before making the […]

Picture this: You’re sitting at your kitchen table, calculator in hand, trying to figure out how much money you’ll need for your daughter’s college education or wedding. Sound familiar? If you’re like most Indian parents, you’ve probably heard about the Sukanya Samriddhi Yojana but aren’t sure if it’s worth the hype. Let me break it […]

Whenever friends chat about moving abroad, one line draws the loudest reactions: “no income tax.” In everyday conversation, that line becomes a shortcut for tax free countries. In practice, the phrase almost always points to places where personal income tax on salary is zero, while other levies—VAT or GST, excise on fuel or sugary drinks, […]

Let’s be honest — earning more feels great… until tax season rolls around. If you’re in the highest tax bracket, chances are you’re paying 30% (or more) of your income in taxes. And after looking at your salary slip or final profit sheet, you’ve probably asked yourself, “Why am I working this hard if a […]