FinPlann Blog — Personal Finance
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape everyday life.
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Smart Beta and Factor ETFs in India — Beyond Nifty 50 Indexing
Smart beta ETFs and factor funds blend passive index methodology with rules-based stock selection (low volatility, momentum, quality, value). Here's how they fit India's growing factor ETF market in 2026.
Fund of Funds (FoFs) in India — When the Wrapper Is Worth the Extra Layer
A FoF invests in other mutual funds — adding a small extra expense layer for the convenience of one-fund diversification. Here's the categories (Domestic, Overseas, Multi-Manager) and when each makes sense.
Children's Fund vs Separate Goal SIPs — The Math Most Parents Miss
Children's mutual funds promise a packaged "education+marriage" solution with mandatory lock-in until child turns 18. The same allocation done via separate goal SIPs costs less, is more flexible, and usually delivers more. Here's the math.
Multi Asset Allocation Funds vs DIY — Is The Single Fund Worth It?
Multi asset allocation funds hold equity, debt, and gold/commodities in one product. Convenience comes at a tax and cost price. Here's whether the bundle beats DIY allocation for the average Indian investor.
Conservative Hybrid Funds for Retirement Income in India
Conservative hybrid funds hold 75-90% debt and 10-25% equity. Designed for income-focused investors and retirees who want a small equity kicker on top of debt safety. Here's when they earn their place.
Floating Rate Funds — The Rising Rate Hedge Most Indians Don't Use
Floating rate funds invest in bonds whose coupons reset with rates. When rates rise, FD and gilt fund holders lose; floating rate fund NAV barely moves. Here's how the category works and when it earns its place.
Retirement Mutual Funds vs NPS vs PPF — Which Wins for Indian Salaried Professionals
Retirement mutual funds vs NPS vs PPF — three very different products with overlapping use cases. Here's the comparison Indian professionals actually need before choosing where their retirement corpus goes.
Thematic Funds — ESG, Manufacturing, EV — Tested Against the Hype
Thematic funds chase trends — ESG, manufacturing, EV, defence. They sound smart in fund prospectuses. The data on whether they actually outperform is more sobering. Here's what the numbers show.
Sector Funds in India — When to Use Them and When to Run
Sector funds bet on a single industry — banking, IT, pharma, FMCG, infrastructure. Returns can be spectacular in sector cycles, brutal outside them. Here's the framework for whether they belong in your portfolio at all.