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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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.
Portfolio Overlap in Mutual Funds — SEBI's 50% Cap and What It Means for You
Two sectoral funds from the same AMC could share 75%+ of their portfolio. SEBI's Feb 2026 rule now caps this at 50%. Here's how to audit your own portfolio, which AMCs face the biggest changes, and why "diversified" often isn't.
Your Children's Fund or Retirement Fund Is Being Merged — Here's What to Do
SEBI has scrapped India's solution-oriented mutual fund category in Feb 2026. 12 children's funds and 29 retirement funds with ₹57,000+ Cr AUM are being merged. Here's what happens to your units, tax implications, and how to decide next steps.