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 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.
Best Dividend Yield Mutual Funds in India 2026 — Income + Growth Combination
Dividend yield funds focus on Indian companies with consistent dividend payouts — typically mature businesses generating strong cash flow. Here are the top dividend yield funds for 2026 and when income-tilted equity works.
Best Focused Funds in India 2026 — Max 30 Stocks, Higher Conviction
Focused funds concentrate bets on 20–30 stocks instead of spreading across 100. Higher conviction, higher volatility, higher potential returns. SEBI's Feb 2026 rule tightened the 80% equity floor. Here are the best of the category.
REITs for Indian Retail Investors — Returns, Risks, Tax, and Portfolio Weight
REITs let you own institutional-grade real estate with as little as one unit. They distribute 90% of cash flows and offer steady yields. But the tax structure is complex and returns are not guaranteed. Here's the full picture.
Should You Sell an Underperforming Mutual Fund Just to Avoid Tax?
You hold a fund that has underperformed for 4 years. Selling triggers LTCG tax. So you hold on. Is this smart or expensive? Here's how to run the math and decide — without letting tax anxiety dictate your portfolio.
Best Value Funds in India 2026 — The Post-SEBI 80% Equity Category
Value funds seek undervalued stocks and avoid the crowded growth names. SEBI's 2026 rule raised the equity floor to 80%, making them purer equity bets. Here are the top value funds and when they outperform growth.
Should You Pause SIPs in a Market Crash? 25 Years of Indian Data Says No
Every major crash — 2008, 2013, 2020 — sees a surge in SIP cancellations. But 25 years of Indian market data shows continuing the SIP through a crash is worth, on average, ₹50 lakh in final corpus. Here's the math.
How to Pick the Right Index Fund in India — Tracking Error and Expense Ratio
Two Nifty 50 index funds from different AMCs can have the same stocks but return 0.5–1% differently year after year. The reason: tracking error and expense ratio. Here's how to pick the right one.
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.