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.
Page 3
Multi Cap vs Flexi Cap — Which One and Why It Matters
Multi cap and flexi cap funds sound similar but have a critical difference: SEBI mandates 25% each in large/mid/small cap for multi cap, while flexi cap can go anywhere. Here's how to choose the right one for your portfolio.
Money Market Funds in India 2026 — The 6-Month Parking Solution
Money market funds invest in instruments under 1-year maturity — T-bills, certificates of deposit, commercial paper. Higher yield than savings, lower volatility than short-duration funds. Here's the use case in 2026.
Short Duration vs Ultra Short Duration Funds — Which for 1-3 Year Goals
Short duration and ultra-short duration debt funds look similar but serve different time horizons. Here's the math, the duration ranges, and how to pick the right one for your specific 1-3 year goal.
NRI Mutual Fund Investments in India 2026 — The Complete Guide
NRIs can invest in Indian mutual funds — but with different KYC, currency conversion, repatriation rules, and tax implications. Here is the complete 2026 guide for NRIs in Singapore, USA, UAE, UK, and other major markets.
Fixed-Income Lumpsum Has Matured — Liquid Fund, Hybrid, or Continue PPF?
Your FD, KVP, NSC, or bond has matured and you have a lumpsum in hand. The wrong parking choice can cost 2–4% in annualised returns. Here's the framework to pick between liquid, hybrid, and PPF based on your horizon.
What to Do When Your PPF Matures — A ₹50 Lakh Deployment Roadmap
Your PPF matured at ₹50 lakh and now you face a choice: extend for another 5 years, withdraw and redeploy, or a mix. Here's a three-bucket allocation framework that balances liquidity, stability, and growth.
Equity Savings Funds — 50/50 Equity-Debt with Equity Tax Treatment
Equity savings funds combine equity (35%+), arbitrage, and debt to qualify for equity tax treatment despite low net equity. Here's the math, the use case, and the misunderstanding most investors have.
Long Duration Debt Funds in India — When Long-Bond Bets Pay Off
Long duration funds carry 7+ year duration. Massive gains in falling rate cycles, equally massive losses in rising. Pure interest rate bet, not for the faint-hearted. Here's the data and the rare cases where they belong.
Fixed Maturity Plans (FMPs) Explained — Lock-In Yield with MF Tax Wrapper
FMPs are closed-ended debt funds that hold bonds till specific maturity dates. Predictable yield like an FD, mutual fund tax structure, no early exit. Here's why they matter and the trap to avoid.