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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The Crossover Point — When Your SIP Actually Starts Compounding for You
Your SIP XIRR is volatile for years. Returns look disappointing. Then something shifts: accumulated gains exceed total contributions, and compounding genuinely takes over. Here's the math behind the "crossover point" — and why patience pays.
Liquid Funds vs Savings Account vs FD: The Math for ₹1 Lakh Parked
₹1 lakh in a savings account earns about 2.5%. The same ₹1 lakh in a liquid fund earns 6.5%. Over 5 years that is ₹20,000 lost to choosing the wrong instrument. Here is when each makes sense.
Why Are Silver ETFs Falling in 2026? The Three Real Reasons
Silver ETFs are down meaningfully in 2026 after the 2024-25 rally. Three forces are driving this — only one is silver-specific. Here is what matters for Indian investors and how not to overreact.
SIF vs PMS vs Mutual Fund — Where Should You Invest ₹10+ Lakh?
With ₹10–50 lakh to invest, you now have three regulated options: Mutual Funds, SIFs, and PMS. Here's a side-by-side comparison and a decision framework to pick the right one for your goals.
SIF (Specialized Investment Fund) — SEBI's New Category Between Mutual Funds and PMS
SIF is SEBI's newest investment vehicle — more flexible than mutual funds, cheaper than PMS, and with a ₹10 lakh minimum. Here's what retail investors need to know about long-short, derivatives-enabled SIF strategies.
Banking & PSU Debt Funds in India 2026 — The Safest Slice of Debt MFs
Banking & PSU debt funds invest 80% in bonds of banks and government undertakings — the lowest credit risk you can get in debt mutual funds short of gilt. Here's what they are, when to use them, and how they're taxed in 2026.
Aggressive Hybrid Funds — The First-Time Equity Investor's Compromise
Aggressive hybrid funds hold 65-80% equity and 20-35% debt — equity exposure with built-in shock absorber. Here's why they're often the right first equity investment for cautious Indians and when to graduate beyond.
Best Silver ETFs in India 2026 — How to Choose (Not What to Buy)
India has 9+ silver ETFs in 2026. The 'best' one depends on tracking error, expense ratio, AUM, and your existing portfolio — not just past returns. Here is the framework most articles skip.
Business Cycle Funds in India — Should You Invest in This New Strategy?
Business cycle funds claim to rotate between sectors based on economic cycles — invest in defensives during slowdowns, cyclicals during recoveries. Here's whether this is a genuine strategy or a sophisticated-sounding thematic wrapper.