The idea of SIP in Mutual Funds in India needs no introduction. Investors like us already know how SIP works and why it’s useful. But nevertheless, I thought it would be a good idea to highlight the advantages of SIP…
Category: Mutual Funds
Don’t Worry about Returns from your Emergency Fund
When it comes to putting money in an emergency fund, I suggest you don’t focus on returns. I know you may feel that your money should work hard and earn good returns. But when it comes to an emergency fund…
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How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?
You want to retire with Rs 5 crore in India. That’s a good solid goal to have in 2021. Till the 2000s, there was a common belief that Rs 1 crore would be enough to retire comfortably. But with inflation…
Read More How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?
Is Cheap (low) NAV better in Mutual Funds?
First, low NAV doesn’t mean that it’s a cheaper fund. Second, NO, cheap or low NAV is not better in mutual funds. In reality, the NAV of a fund is irrelevant and ideally, it shouldn’t even be considered when making…
Which is Best SIP Date (2021) in Mutual Funds?
Which is the Best SIP date for mutual fund SIP investments in India? This is one of the questions that I often get from readers (as well as my financial planning clients). Some similar questions are - Which is the…
ESG Mutual Funds in India: Should you invest (2021)?
ESG mutual funds are a new trend in the Indian mutual fund space. I am sure you must have heard about it. Many new funds have been launched in the ESG space over the past 1-year and in 2020-2021. But…
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Cheapest (LOWEST) cost Index Fund launched – Don’t Invest!
The advice in the title seems odd as I vouch for index investing. But hear me out first. The passive funds scene in India is heating up. A new entrant and a very AMC named NAVI Mutual Funds (which is…
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Should I invest in NFOs of Mutual funds (2021)?
When stock markets rise, it's not just the IPOs that come in quick succession. Even the mutual fund houses or AMCs want a slice of the pie and launch new offerings (NFOs or New Fund Offers). And this is what…
Mutual Funds Vs Real Estate: Which is better for Investing in India? (2021 Update)
Note – This is a guest post by Ajay. He has previously written on this topic (links in later part of the post) and now updates his thoughts on the basis of 2021 data. Ajay has also authored other interesting…
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Don’t have too many mutual funds of one AMC
Many people somehow end up with too many mutual fund schemes from the same fund house (AMC). Though it's not an immediate risk, nevertheless can be a risk at some point in the future. Hence, it’s advisable to not have…
How to save for Holidays using Travel Fund?
For many, travelling is an important goal. I am one of them. I like to travel (read this). If time and schedule permit. But in general, I aim to travel to a new location once every 6 months. So if…
Nifty vs Nifty Next 50 Index Funds: Which to choose?
If you are into passive investing (via index funds and ETFs) in India, then you would know about the Nifty Next 50 index. But how does Nifty Next 50 differ from Nifty 50, how should you choose between Nifty 50…
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How much can you save if you quit smoking? (Real Numbers)
You can quit smoking and save money. But you already know that. Right? And to be honest, I think trying to influence someone to kick the smoky habit by trying to show them the financial angle may not be the…
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Credit Risk Funds’ 1-year Returns are Good. But still Avoid them.
I got queries from clients and a few other mails recently about credit risk funds. I am not much in favor of taking credit risk. But given the recent outperformance of the credit funds compared to other debt fund categories…
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My Debt Funds are giving Poor Returns. What to do?
The debt funds have seen their returns moderate for some time now. The extent of this fall in returns differs based on the debt fund categories one is invested in. Some categories have been giving negative returns too in some…
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