Portfolio Construction (56 articles)
This article breaks down mutual fund categories based on your investment horizon—whether it’s 5, 10, or 15 years away.
Published: 21 August 2024
6 MIN READ
This article explains how the return and corpus created vary between a step-up SIP and an ordinary fixed SIP.
Published: 14 July 2024
7 MIN READ
This article provides multiple options for grandparents to transfer family wealth to their grandchildren.
Published: 7 July 2024
13 MIN READ
This article shows you how the growth of your investments, the amount you invest and how fast you grow your income have roles to play in increasing your net worth.
Published: 2 June 2024
14 MIN READ
This article shows how to understand the impact on your portfolio if you stop investing for a few years between today and retirement.
Published: 24 April 2024
6 MIN READ
This article looks at the various stages of your career from the perspective of maximum wealth creation.
Published: 17 April 2024
6 MIN READ
This article shows the calculation for your portfolio’s lifetime XIRR which allows you to meet all your goals.
Published: 7 April 2024
4 MIN READ
This article explains the concept of a step-up SIP and allows you to calculate how much more returns can you get using a step-up SIP vs. a normal SIP.
Published: 14 February 2024
8 MIN READ
This article explains how DIY investors can move from a shoot & aim to aim & shoot approach towards their investments.
Published: 28 January 2024
6 MIN READ
This article discusses what kind of caution you should exercise in case you are using media outlets to learn about personal finance.
Published: 27 December 2023
5 MIN READ
This article explains the concept of the stock SIP that allows you to buy shares automatically on a regular basis.
Published: 22 November 2023
3 MIN READ
This article answers a question about investing a certain percentage (here 55%) of your monthly income.
Published: 2 August 2023
10 MIN READ
This article shows how investors can map their various investments, like mutual funds, FDs, NPS, stocks etc., to different goals.
Published: 25 June 2023
7 MIN READ
This article shows how couples should invest together for their financial goals to manage their portfolio without any hassles.
Published: 21 June 2023
4 MIN READ
This article shows what lazy portfolios are and how investors can quickly implement the concept to make reaching their goals more manageable.
Published: 14 June 2023
4 MIN READ
This article helps you estimate the returns from your investments to help you decide how much you need to invest.
Published: 15 March 2023
11 MIN READ
This article extends the concept of a target date fund for one-time goals like house downpayment for investors in India.
Published: 12 March 2023
9 MIN READ
This article explains how to create a target date fund to simplify retirement planning in India.
Published: 1 March 2023
13 MIN READ
This article introduces the concept of the target date fund and explains why they are a good option for retirement planning.
Published: 26 February 2023
7 MIN READ
This article shows the historical performance of single payment goals in India and whether it has worked for reaching the desired corpus if you invest a lump sum amount.
Published: 21 December 2022
7 MIN READ
This article shows the historical performance of applying goal-based investing principles to single payment goals in India and whether it has worked for reaching the desired corpus.
Published: 18 December 2022
9 MIN READ
This article uses the Arthgyaan Have vs Needs Framework to invest a large lump sum amount in your portfolio per your financial goals.
Published: 27 November 2022
8 MIN READ
This article discusses a quick thumb rule for retirement corpus estimation that you can do today.
Published: 12 October 2022
6 MIN READ
This article shows you a simple set of rules for planning any financial goal: from a month to decades away via three buckets of assets.
Published: 14 September 2022
7 MIN READ
This article talks about the impact of inflation on your goals and shows which assets have beaten inflation over time in India.
Published: 1 September 2022
9 MIN READ
This article demystifies some common jargons of investing in mutual funds by explaining SIP, SWP and STP along with examples of which one to use and when.
Published: 28 August 2022
6 MIN READ
This article shows how a young just-married couple can invest for future goals using the Arthgyaan goal-based investing tool.
Published: 7 August 2022
16 MIN READ
This article shows a simple retirement and review plan that anyone can follow in a step-by-step manner.
Published: 3 August 2022
11 MIN READ
This article explains how the RBI repo rate drives the values of all your loans and investments and shows what investors should do to best take advantage of the situation.
Published: 6 July 2022
12 MIN READ
A common piece of advice given by many people is to stop investing when the stocks markets are down. This article explores if this advice makes sense.
Published: 29 May 2022
5 MIN READ
A guide to both new and seasoned investors for choosing suitable investments for their portfolio in the same way selectors choose a World Cup winning team.
Published: 27 March 2022
9 MIN READ
Risk and return go hand in hand, and a portfolio requires a balanced representation from various sources of risk to generate returns.
Published: 20 March 2022
7 MIN READ
60% of the NPS corpus needs to be invested at maturity with other retirement funds as a lump sum. This post shows how.
Published: 6 March 2022
10 MIN READ
The standard advice given to investors is to match their goal duration with the portfolio duration in the case of the debt component. But, is that the right thing to do?
Published: 13 February 2022
17 MIN READ
Do not chase returns. Invest more instead. To do that, focus on increasing your income by focusing on human capital.
Published: 6 February 2022
10 MIN READ
This article discusses a no-shortcuts, step-by-step guide for investors who want to create wealth.
Published: 22 January 2022
13 MIN READ
This article shows how the power of compounding works to create phenomenal wealth.
Published: 11 January 2022
7 MIN READ
This article analyses if a permanent portfolio (equal proportion of stocks, bonds, gold and cash) works for Indian investors.
Published: 9 January 2022
11 MIN READ
If you can increase the amount of monthly investments, where should you invest next?
Published: 13 December 2021
6 MIN READ
Understanding the risk of every asset class in our portfolio is essential. This article talks about the risk in index funds.
Published: 10 December 2021
7 MIN READ
Many investors have a need where they want the safety of assured returns and wish to beat inflation simultaneously. Can debt funds do that?
Published: 9 December 2021
10 MIN READ
Equity markets do not guarantee any returns, but we can estimate how much return we will get from SIP or lumpsum investing.
Published: 22 November 2021
5 MIN READ
This post describes RBI’s new Retail Direct Scheme and how you can use it to build a guaranteed income stream.
Published: 16 November 2021
19 MIN READ
This post shows investors in which situations they should invest in FD vs other products like mutual funds.
Published: 28 October 2021
12 MIN READ
This post will answer the frequently asked question for many investors regarding the proportion of equity they need to hold as per age.
Published: 19 October 2021
9 MIN READ
This post shows how to simplify portfolio construction and management via a unified portfolio along with its associated risks.
Published: 11 October 2021
10 MIN READ
This post shows how goal-based investing can help you afford your dream home down-payment and EMI.
Published: 5 October 2021
9 MIN READ
This post is targeted towards investors facing too many choices in funds, stocks, and insurance policies, making it difficult to get started.
Published: 14 September 2021
7 MIN READ
This post shows a way to estimate the final corpus for a SIP
Published: 2 September 2021
7 MIN READ
This post deals with a problem that many investors face: how to invest some “spare” money
Published: 31 August 2021
6 MIN READ
The answer is just enough as per your portfolio goals: here’s how to calculate it
Published: 17 July 2021
4 MIN READ
The Investment Policy Statement (IPS) is an important starting point of goal-based investing: here’s why
Published: 30 June 2021
6 MIN READ
Investing in a mixed portfolio of equity and debt mutual funds cannot beat inflation in most cases
Published: 29 June 2021
4 MIN READ
Diversification is spreading risk across various investments so that all of them don’t perform equally bad (or good) at the same time
Published: 28 June 2021
3 MIN READ
Investors are often in a dilemma as to the best way of structuring their portfolio for different goals.
Published: 14 June 2021
3 MIN READ
Lumpsum investments are easy to do if you know what you feel about it, not how markets move.
Published: 25 April 2021
5 MIN READ
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