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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Life Cycle Funds in India — SEBI's New Auto-Glide-Path Product Explained
Life Cycle Funds are SEBI's newest mutual fund category — single-product retirement solutions with automatic rebalancing from equity to debt as your goal approaches. Here's how they work, who they suit, and why caution is warranted.
SEBI's New Mutual Fund Rules 2026 — A Complete Guide to the February Overhaul
SEBI's February 2026 overhaul is the biggest mutual fund rule change in a decade. Here's what changes for equity categories, portfolio overlap, value funds, and retirement schemes — and what it means for your portfolio.
Best Gold ETFs in 2026 — Top Funds, Tax Rules & Portfolio Allocation
Gold ETFs give you pure gold exposure without storage hassles or making charges. Here are the top Gold ETFs in India by AUM and expense ratio — plus the Budget 2024 tax rules that make them more attractive than ever.
Best International Mutual Funds in 2026 — Why Every Indian Investor Needs One
Indian investors have 98% of their money in Indian assets. International mutual funds fix that concentration risk. Here are the top international funds available to Indian investors — and the tax rules you must understand.
Portfolio Rebalancing — When and How Indian Investors Should Actually Do It
Your carefully chosen 70/30 equity-debt split drifts to 85/15 after a bull run. Rebalancing forces you to sell high and buy low — but done wrong, it wrecks your tax bill.
Direct vs Regular Mutual Funds — The 1% That Costs Indian Investors ₹30 Lakh
The only structural difference between direct and regular mutual fund plans is the expense ratio. That seemingly small 1% gap compounds into ₹25–40 lakh of lost wealth over a 20-year SIP.
Best Hybrid Mutual Funds in 2026 — Top Picks Across Aggressive, Conservative & Equity Savings
Hybrid mutual funds combine equity and debt in a single portfolio — reducing drawdowns while still delivering growth. Here are the top funds across every hybrid category for 2026.
AYUSH Insurance Coverage: Complete Guide to Claims & Benefits
Discover what AYUSH insurance coverage includes, how to file claims for Ayurveda, Yoga, Unani, Siddha treatments, and maximise your health insurance benefits.
Step-Up SIP Strategy: Build ₹2.17 Crore from ₹2,000/Month
Discover how a step-up SIP can transform your ₹2,000 monthly investment into ₹2.17 crore. Learn the math, strategy, and implementation for long-term wealth.