FinPlann Blog — Personal Finance for Indians
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape middle-class Indian life.
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Best Multi Asset Mutual Funds in 2026 — Gold, Equity & Debt in One Fund
Multi asset funds invest across equity, debt, and gold (sometimes international stocks too). Here are the top 5 multi asset funds — and why they're the ultimate lazy portfolio.
Best Balanced Advantage Funds in 2026 — Auto Equity-Debt Balancing Explained
Balanced advantage funds automatically shift between equity and debt based on market valuations. Here are the top 5 funds and why they're ideal for conservative equity investors.
Best Flexi Cap Mutual Funds in 2026 — Why They're the Most Recommended Category
Flexi cap funds can invest across large, mid, and small caps without restrictions. Here are the top 5 flexi cap funds by 5-year returns — and why most advisors recommend them.
Best Small Cap Mutual Funds in 2026 — Top 5 High-Growth Picks
Small cap funds invest in companies ranked 251+ by market cap — high risk, high reward. Here are the 5 best small cap funds by 5-year returns and what you need to know before investing.
Best Mid Cap Mutual Funds in 2026 — Top 5 for Higher Growth
Mid cap funds invest in companies ranked 101-250 by market cap — the sweet spot between growth and stability. Here are the top 5 mid cap funds by 5-year returns.
Best Large Cap Mutual Funds in 2026 — Top 5 by 5-Year Returns
Large cap funds invest in India's top 100 companies by market cap. Here are the 5 best-performing large cap funds over the last 5 years — with data you can actually use.
How Much Money Do You Actually Need to Retire in India?
₹5 crore? ₹10 crore? The answer depends on your lifestyle, inflation, and how long you'll live. Here's the real math — not the scary numbers people throw around on social media.
How Much Term Life Insurance Do You Need? The Income Formula Explained
The common advice is '10x your annual income' — but is that enough? Here's the actual formula financial planners use, and how to calculate the exact cover your family needs.
How to Choose a Mutual Fund — 7 Things to Check Before Investing
With 1,500+ mutual funds in India, picking the right one feels overwhelming. Here are the 7 things that actually matter — and the 5 things that don't.
Topics We Cover
Six areas, all India-first
Every article is written for Indian investors. We explain the maths, cite the rules, and give you action steps — not generic advice.
Mutual Fund Investing
SIP sizing, step-up strategies, lump sum vs SIP, fund category guides, and portfolio reviews.
Tax Planning & Saving
New vs old regime, ELSS vs PPF under 80C, HRA, F&O — updated for the current financial year.
Retirement & FIRE
The 4% rule adapted for Indian inflation, NPS vs EPF, planning timelines by age.
Loans, Debt & Credit
Prepay vs invest, personal loan payoff strategies, CIBIL improvement, rent vs buy.
Insurance & Emergency
Term vs ULIP, health cover sizing against medical inflation, and emergency fund maths.
Budgeting & Savings
50/30/20 adapted for Indian salaries, SSY vs MF, gold strategies, LRS for investing abroad.