Guides & insights for everyday investors
Page 4
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.
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.