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Behaviour (10 articles)

Don't stop investing when the markets are down

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.
Why you should chase your target goal corpus instead of returns

Many investors are obsessed with returns. This post shows a different target to chase to ensure the purpose of investments is met.
How long does it take to earn what we spend on?

This article introduces a simple budgeting tool that shows how much time it takes to earn something using our hourly wage.
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Budgeting (9 articles)

A health insurance premium fund: who needs it and why

This article shows you a better alternative to paying premiums every month or quarter as well as manage when premiums increase over time.
What should you do when your home loan interest rates go up?

This post discusses managing when interest rates go up increasing your home loan EMI.
Life stage investing: how to manage finances when you are joining your first job

This post from our life stage series shows how your finances need to be managed when you transition from being a student to joining your first job.
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Children (9 articles)

How to invest for college education goals for teenaged children?

This article discusses where to invest for college education goals based on when college starts and your retirement date with a focus on lowering taxes.
How much can you save for a college education goal with a 10000/month SIP

A child’s education goal is the dream of every parent. We examine various return scenarios to see how much corpus you can create with a reasonable SIP amount.
Case Study: How should couples in their 40s with a new baby plan their financial future?

Did you welcome a bundle of joy in your 40s? This article will discuss ways of planning the child’s (and your’s financial future)
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Set Goals (26 articles)

SMART goals: how to create an emergency fund

An emergency fund is essential to protect yourself from unexpected problems where a lot of money needs to be spent. This article will show you how to create one step-by-step.
SMART goals: investing step-by-step for buying your dream home

This article offers the steps for identifying, quantifying and investing for buying your dream house.
Why you should chase your target goal corpus instead of returns

Many investors are obsessed with returns. This post shows a different target to chase to ensure the purpose of investments is met.
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Loans (10 articles)

How does an overdraft loan like SBI Maxgain work?

This articles describes overdraft home loans like SBI Maxgain and BOB Home Loan Advantage.
How does your risk profile change with a home loan?

A home loan is a multi-year commitment to your cash flows and changes your risk profile. So how should you change your income and investing?
Should you sell your mutual funds to buy a house?

This article talks about the best funding mix for buying your dream home from investments and home loans.
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House Purchase (13 articles)

SMART goals: investing step-by-step for buying your dream home

This article offers the steps for identifying, quantifying and investing for buying your dream house.
Sec 54F: a hack that can save lakhs in taxes when you buy a house

This article shows how to save capital gains taxes under income tax Section 54F when you sell other assets to raise money to buy your first or second house.
First time home buyers: should you choose fixed, floating or overdraft type home loan?

This article helps you choose a home loan that is suitable for your personal situation.
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Basics (8 articles)

SMART goals: how to create an emergency fund

An emergency fund is essential to protect yourself from unexpected problems where a lot of money needs to be spent. This article will show you how to create one step-by-step.
What is a Personal Accident Insurance policy: who needs it and why?

This article explains the pros and cons of a Personal Accident Insurance policy and makes a case for getting one to safeguard your financial goals.
Health insurance: what, why, how much to get and from where?

This article explains why health insurance is important, how to choose one that suits your needs, the tax benefits and where to buy it from.
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Asset Allocation (17 articles)

How much equity should you have in your retirement portfolio?

This article shows you an easy way to calculate the equity allocation for your retirement corpus.
What does the 1983 World Cup win teach us about investing?

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.
Portfolio construction basics: sources of risk

Risk and return go hand in hand, and a portfolio requires a balanced representation from various sources of risk to generate returns.
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Choosing Investments (28 articles)

What are the best index funds for new investors in India?

This article shows the steps that a new index fund investor can follow to shortlist an index fund for investing
How to understand the portfolio composition of a debt mutual fund?

This article teaches you how to read the portfolio disclosure statement of a debt mutual fund to understand what the fund invests in and the risk-return characteristics.
A primer on hybrid mutual funds: what are they and when to invest in them

This article talks about the hybrid mutual fund category in India and shows you which ones to invest in as per your goals.
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Mutual Funds (14 articles)

How to invest a lump sum amount for your goals?

This article uses the Arthgyaan Have vs Needs Framework to invest a large lump sum amount in your portfolio per your financial goals.
Pay lower capital gains taxes for debt mutual funds: understand how indexation works

This article shows you how the concept of indexation lowers the capital gains tax you pay when you sell debt mutual funds.
How to use the SEBI Potential Risk Class matrix to understand risk in debt mutual funds?

This article shows you the way to understand the risk and return potential for debt mutual funds using a SEBI-mandated risk classification tool.
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Risk (6 articles)

How conservative investors risk falling short of their goals

A reader query prompted this post on the risks of not investing in volatile assets for long term goals.
The unknown risk in NPS that few people talk about

What should you do if there is a fall in your NPS corpus just before retirement at 60? This post details the problems and shows how to remediate the risk.
How does your risk profile change with a home loan?

A home loan is a multi-year commitment to your cash flows and changes your risk profile. So how should you change your income and investing?
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Portfolio Construction (36 articles)

How to invest a lump sum amount for your goals?

This article uses the Arthgyaan Have vs Needs Framework to invest a large lump sum amount in your portfolio per your financial goals.
How much money do you need for retirement?

This article discusses a quick thumb rule for retirement corpus estimation that you can do today.
How to use the bucket theory to plan for your goals?

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.
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Portfolio Review (22 articles)

How to use the SEBI Potential Risk Class matrix to understand risk in debt mutual funds?

This article shows you the way to understand the risk and return potential for debt mutual funds using a SEBI-mandated risk classification tool.
How to understand the portfolio composition of a debt mutual fund?

This article teaches you how to read the portfolio disclosure statement of a debt mutual fund to understand what the fund invests in and the risk-return characteristics.
How to use the bucket theory to plan for your goals?

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.
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Insurance (12 articles)

How to calculate term insurance coverage amount?

This article gives you an easy-to-use calculator to know your term insurance coverage amount.
What are top-up and super-top-up health insurance policies? Do you need either?

This article talks about deductible-based health insurance plans like top-up and super-top-up and shows which one you should buy and why.
How to make a health insurance claim that ensures you get back the claimed amount?

This article shows the steps to correctly file a health insurance claim so that it gets processed quickly and you get back as much as possible.
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Calculator (13 articles)

Should you break your FD and create a new one at new higher rates?

This article lets you calculate if you should break your old FD and create a new one at higher interest rates after adjusting for premature breakage penalty.
How to calculate term insurance coverage amount?

This article gives you an easy-to-use calculator to know your term insurance coverage amount.
Pay lower capital gains taxes for equity: understand how grandfathering works

This article explains the concept of equity LTCG grandfathering in detail with multiple case studies and examples.
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Retirement (29 articles)

How much money do you need for retirement?

This article discusses a quick thumb rule for retirement corpus estimation that you can do today.
How to mix an SWP from an equity mutual fund with a pension plan in retirement?

This article shows how much you can withdraw from an equity mutual fund if you have a pension plan as well in retirement.
What happens if you do an SWP from an index fund in retirement?

We examine the results of running a long-term SWP in index funds for retirement.
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FIRE (10 articles)

FIRE journey in India: what happens if you work just a bit longer

This article shows the effect of postponing early retirement by just a little since it allows you to spend more in retirement.
How long will your money last if you retire today?

This article shows that if you decide to retire today, how long will the corpus last realistically based on real rates of return.
What is the net-worth needed to FIRE in India?

A Step-by-step guide for finding out how much money you need to FIRE in India.
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Pension (6 articles)

How to mix an SWP from an equity mutual fund with a pension plan in retirement?

This article shows how much you can withdraw from an equity mutual fund if you have a pension plan as well in retirement.
How can children help their retired parents to set up their finances?

This article shows the steps to set up an investment portfolio for retirees with the help of their children.
Can you retire by keeping money only in FD or pension?

This post explores the pros and cons of keeping money only in fixed income throughout retirement
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Market Movements (8 articles)

The stock market has reached an all-time high. Should you buy or sell?

This article shows a way to decide what to do when stock markets reach all-time or lifetime highs. Should investors buy more or sell to book profits?
Can you predict stock market returns based on past returns?

This article explores if short-term returns of the Nifty 50 allow you to predict future returns
Markets are down but don't panic: what you should do instead

This article helps investors to choose the right course of action in falling markets.
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Tax (16 articles)

Pay lower capital gains taxes for debt mutual funds: understand how indexation works

This article shows you how the concept of indexation lowers the capital gains tax you pay when you sell debt mutual funds.
Which mutual fund has lower tax - international funds at 20 percent vs domestic at 10 percent?

This article settles the question of which type of capital gain calculation is better - debt-type funds taxed at 20% with indexation vs equity-type at 10%.
Which is better: save tax by investing 50,000 in NPS or 35,000 in equity mutual fund?

This article shows you if it is better to take advantage of Section 80CCD to save up to 15,000 tax by investing in NPS Tier 1.
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NRI (4 articles)

Can NRIs retire in India with only safe investment options like a fixed deposit?

We discuss if it is a good idea for conservative NRI investors to create a retirement portfolio in India only with safe and risk-free investment options.
How can NRIs easily manage their parents’ finances in India?

This article shows the steps NRIs can take to easily manage their family’s finances in India.
How should an NRI handle investments and accounts in India before shifting?

This article shows you the steps to follow to once you become an NRI regarding your accounts in India.
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International Investing (8 articles)

Which mutual fund has lower tax - international funds at 20 percent vs domestic at 10 percent?

This article settles the question of which type of capital gain calculation is better - debt-type funds taxed at 20% with indexation vs equity-type at 10%.
Should you invest in the DSP Global Innovation Fund NFO?

A new Fund of Fund wants to capture the alpha from innovative technology companies globally. Should you invest?
What is the best way to invest in US stocks?

The recent bull market rally in US markets is generating a lot of interest in US stocks. How should you invest?
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Gold (6 articles)

What will create a higher corpus for children's marriage: buying physical gold vs SIP in stocks

The article shows you if you there is a better alternative to buying gold over time for your child’s marriage goals.
Frequently asked questions on Sovereign Gold Bonds (SGB): the complete guide

This article compiles an exhaustive list of FAQs for Sovereign Gold Bonds (SGB).
A tactical trading opportunity in gold vs. equity

A case study on tactical asset allocation: a divergence in the prices of gold and equty offers a trade. What can you do and when?
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Review (7 articles)

Should you invest in the DSP Global Innovation Fund NFO?

A new Fund of Fund wants to capture the alpha from innovative technology companies globally. Should you invest?
The 2021 Arthgyaan Year in Review

This blog completes its first year with 100+ posts in 10 months. Here’s looking back.
Should you invest in the Motilal Nasdaq Q50 ETF NFO?

A new ETF promises to catch nascent technology companies before they become big. Should you invest?
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News (5 articles)

Do you need multiple mutual funds to keep your money safe?

Given that mutual fund scams and issues are happening regularly, should you invest via many AMCs to ensure that you always have access to your money?
How does the SEBI ban on pool accounts affect your mutual fund investments?

Explained: how a recent SEBI rule change affects how you will be investing in mutual funds post 1st-Jul-2022.
NSE IFSC: trade in US stocks from your Indian broker account

A recent innovation by the NSE now allows resident Indians to buy US stocks directly from broker accounts. Should you invest?
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Life Stages (2 articles)

Life stage investing: how should couples manage finances

Having a common understanding of the role of money is one of the pillars of a successful life as a couple.
Life stage investing: how to manage finances when you are joining your first job

This post from our life stage series shows how your finances need to be managed when you transition from being a student to joining your first job.
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NPS (5 articles)

Which is better: save tax by investing 50,000 in NPS or 35,000 in equity mutual fund?

This article shows you if it is better to take advantage of Section 80CCD to save up to 15,000 tax by investing in NPS Tier 1.
Is NPS the right option for your retirement planning?

This article talks about if investors should go with NPS for retirement planning or look at other options which give them more control.
Asset allocation for NPS: equity or debt / active or auto?

This article provides guidance on choosing the right combination of equity and debt along with an allocation plan for NPS subscribers.
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Step by step (8 articles)

What are the best index funds for new investors in India?

This article shows the steps that a new index fund investor can follow to shortlist an index fund for investing
SMART goals: how to create an emergency fund

An emergency fund is essential to protect yourself from unexpected problems where a lot of money needs to be spent. This article will show you how to create one step-by-step.
SMART goals: investing step-by-step for buying your dream home

This article offers the steps for identifying, quantifying and investing for buying your dream house.
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FAQ (3 articles)

Frequently asked questions on Credit Rating: the complete guide

This article compiles an exhaustive list of FAQs on the concept of Credit Rating.
Frequently asked questions on Public Provident fund (PPF): the complete guide

This article compiles an exhaustive list of FAQs for Public Provident fund (PPF).
Frequently asked questions on Sovereign Gold Bonds (SGB): the complete guide

This article compiles an exhaustive list of FAQs for Sovereign Gold Bonds (SGB).
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Health Insurance (4 articles)

What are top-up and super-top-up health insurance policies? Do you need either?

This article talks about deductible-based health insurance plans like top-up and super-top-up and shows which one you should buy and why.
How to make a health insurance claim that ensures you get back the claimed amount?

This article shows the steps to correctly file a health insurance claim so that it gets processed quickly and you get back as much as possible.
Health insurance: what, why, how much to get and from where?

This article explains why health insurance is important, how to choose one that suits your needs, the tax benefits and where to buy it from.
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Safe Withdrawal Rate (5 articles)

How to mix an SWP from an equity mutual fund with a pension plan in retirement?

This article shows how much you can withdraw from an equity mutual fund if you have a pension plan as well in retirement.
What happens if you do an SWP from an index fund in retirement?

We examine the results of running a long-term SWP in index funds for retirement.
How long will your money last if you retire today?

This article shows that if you decide to retire today, how long will the corpus last realistically based on real rates of return.
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Case Study (3 articles)

Case study: how this double income recently married family can perform DIY goal-based investment planning

This article shows how a young just-married couple can invest for future goals using the Arthgyaan goal-based investing tool.
Case Study: How should couples in their 40s with a new baby plan their financial future?

Did you welcome a bundle of joy in your 40s? This article will discuss ways of planning the child’s (and your’s financial future)
Case study: how this double income single kid family can perform DIY goal-based investment planning

This article shows how a very typical salaried couple with one child can invest for future goals using the Arthgyaan goal-based investing tool.
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Topics

Useful tools

Articles

Behaviour (10 articles)

Budgeting (9 articles)

Children (9 articles)

Set Goals (26 articles)

Loans (10 articles)

House Purchase (13 articles)

Basics (8 articles)

Asset Allocation (17 articles)

Choosing Investments (28 articles)

Mutual Funds (14 articles)

Risk (6 articles)

Portfolio Construction (36 articles)

Portfolio Review (22 articles)

Insurance (12 articles)

Calculator (13 articles)

Retirement (29 articles)

FIRE (10 articles)

Pension (6 articles)

Market Movements (8 articles)

Tax (16 articles)

NRI (4 articles)

International Investing (8 articles)

Gold (6 articles)

Review (7 articles)

News (5 articles)

Life Stages (2 articles)

NPS (5 articles)

Step by step (8 articles)

FAQ (3 articles)