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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Corporate Bond Funds in India 2026 — The Sweet Spot Between Safety and Yield
Corporate bond funds invest 80%+ in AA+ and above corporate debt. Higher yield than Banking & PSU, much safer than credit risk funds. Here's how the category fits into a smart debt allocation in 2026.
Dynamic Bond Funds — The Most Misunderstood Debt Category in India
Dynamic bond funds let the fund manager freely change duration based on rate views. Sounds smart. The data says active duration calls have mostly underperformed simple short-duration funds. Here's when they actually work.
Credit Risk Funds in India — The Higher-Yield Trap Most Investors Misunderstand
Credit risk funds invest 65%+ in below-AA-rated debt for higher yield. The history is messy — IL&FS 2018, Franklin Templeton 2020. Here's when the category genuinely earns its place and when retail investors should run.
Gilt Funds in India 2026 — Pure Government Bonds Explained
Gilt funds invest 80%+ in government securities — zero credit risk, but high interest rate sensitivity. Here's why they're used, when they shine, and the trap most retail investors fall into.
Mutual Funds Tax in India 2026 — The Complete Updated Guide
Budget 2024 changed how mutual funds are taxed in India. Equity LTCG is now 12.5%, debt MF gains are taxed at slab rate without indexation. Here is the complete updated guide with examples for FY 2025-26 and beyond.
Pure Metal ETFs: 5 Hidden Risks Most Indian Investors Ignore
Gold and silver ETFs feel safer than equity. They are not. Here are five risks Indian planning blogs gloss over — every one has cost retail investors money over the past decade.
Best Arbitrage Funds in India 2026 — Low-Volatility Equity Taxation at 6-7% Returns
Arbitrage funds are the tax-efficient cousin of liquid funds. Equity-linked taxation, near-zero volatility, and 6–7% returns make them ideal for short-term parking by high-tax-bracket investors. Here are the top picks for 2026.
Why NPS Hasn't Become as Popular as Expected — The Exit-Anxiety Problem
NPS has among the lowest costs, solid returns, and extra ₹50,000 tax deduction. Yet retail adoption is underwhelming. The real reason: investors hate the 40% mandatory annuity. Here's the problem and the recent reforms fixing it.
XIRR vs CAGR — Why Your SIP Returns Look Misleading for Years
A SIP XIRR of 4% after three years doesn't mean the fund is broken. It reflects how XIRR mathematically amplifies recent market moves in young portfolios. Here's the difference between XIRR and CAGR, and how to read your real returns.