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 […]

For many households, mutual funds sit right next to FDs in the “serious money” bucket. The first thing they look for is clarity on mutual fund capital gains tax—what gets taxed, when it gets taxed, and at what rate. In the context of Mutual fund taxation India, two ideas decide the bill: the type of […]

Introduction Most salaried people see “TDS” on their payslip and wonder what exactly is happening. Think of it like advance income tax. The employer cuts a part of the salary every month and sends it to the government on the employee’s behalf. This is called TDS on salary under Section 192. What Is TDS on […]

Introduction Every year, many salaried people and small business owners see TDS cut from payments and then struggle to track it. The government has a simple website for this—TDS TRACES. It helps a taxpayer see how much TDS was deducted, fix mistakes, and download important files for filing returns. TDS Traces TDS TRACES (short for […]

Introduction  To be totally honest for a second. Money stuff can be… a lot. It’s like everyone’s speaking a secret language you’re not in on, right? Well, I’m about to let you in on the one financial secret that’s actually, like, super simple. It’s called compound interest, and it’s basically the only thing you need […]

If you’re someone who wants to start investing in mutual funds but don’t want to take too much risk, large cap funds are often the go-to choice. Why? Because they invest in big, established companies — the kind of businesses most of us already know and trust. Think of large cap funds as the steady […]