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.
Page 9
Best Mid Cap Mutual Funds in 2026 — Top 5 for Higher Growth
Mid cap funds invest in companies ranked 101-250 by market cap — the sweet spot between growth and stability. Here are the top 5 mid cap funds by 5-year returns.
Best Large Cap Mutual Funds in 2026 — Top 5 by 5-Year Returns
Large cap funds invest in India's top 100 companies by market cap. Here are the 5 best-performing large cap funds over the last 5 years — with data you can actually use.
How Much Money Do You Actually Need to Retire in India?
₹5 crore? ₹10 crore? The answer depends on your lifestyle, inflation, and how long you'll live. Here's the real math — not the scary numbers people throw around on social media.
How Much Term Life Insurance Do You Need? The Income Formula Explained
The common advice is '10x your annual income' — but is that enough? Here's the actual formula financial planners use, and how to calculate the exact cover your family needs.
How to Choose a Mutual Fund — 7 Things to Check Before Investing
With 1,500+ mutual funds in India, picking the right one feels overwhelming. Here are the 7 things that actually matter — and the 5 things that don't.
F&O and Intraday Trading Tax in India: A Complete Guide for Retail Traders (FY 2025-26)
More than 1 crore Indians traded F&O in FY2024-25. Most had no idea how their profits — or losses — were taxed. This guide explains everything: ITR form, audit thresholds, and how to save tax legally.
NPS Tier 2 Account: The Flexible Investment Option Most Indians Ignore
NPS Tier 2 lets you invest in market-linked funds with no lock-in, instant withdrawal, and zero exit load. Here's whether it's better than a mutual fund for your goals.
HRA Exemption on Rent Paid to Parents: The Tax-Saving Move Most Indians Miss
If you live with your parents and pay them rent, you can legally claim HRA exemption — saving up to ₹1–2 lakh in taxes annually. Here's exactly how to do it, with all paperwork covered.
How to Invest in US Stocks from India: LRS, Tax Rules, and the ₹7 Lakh Cap Explained
Global tech giants, S&P 500 index funds, and international ETFs — all accessible from India under the Liberalised Remittance Scheme. Here's everything you need to know before investing.