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• Simple web-based calculator for a single goal
• Comprehensive Google-sheets based calculator for all of your goals
• SIP return calculator: how much corpus will you accumulate by starting a SIP today

Articles

Behaviour (14 articles)

• Navigating Election Uncertainty: Should You Sell, Hold, or Buy More Stocks?

  This article shows you the pros and cons of each approach you can take between today and the General Election Results next week regarding your portfolio.

• How to manage a home loan if you are worried about job loss?

  This article discusses the steps for investors in high-income brackets but hesitant to commit to a home loan due to the fear of job instability.

• Should you invest in hybrid funds via SIP for short-term goals?

  This article shows you how different categories of hybrid funds have performed for regular SIP investments for short durations.

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Budgeting (12 articles)

• Don't Get Caught in the Credit Card Debt Trap: Unmasking Interest Calculation & GST Charges

  This article unveils the secrets of credit card interest, from EMIs to GST impact. Stay informed to avoid financial traps!.

• How to review your sinking fund to always have money since cost of goals are increasing?

  This article shows you how to review your sinking fund so that you can keep pace with the inflation of your periodic expenses and short-term goals.

• Does the 50/30/20 budgeting rule work in India?

  This article shows you if you can apply the popular 50/30/20 budgeting rule for investing for your goals in India.

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Children (20 articles)

• NPS Vatsalya: A Gimmicky Product That Should Be Avoided If You Are Serious About Investing For Your Children

  This article discusses the NPS Vatsalya scheme that does not make any sense as a product for anyone even if you plan to invest for your children’s retirement.

• How can grandparents invest for their grandchildren?

  This article provides multiple options for grandparents to transfer family wealth to their grandchildren.

• How Sukanya Samridhhi Yojana (SSY) and Public Provident Fund (PPF) can together take your daughter from college to PhD?

  This article shows you how much corpus you can create via SSY and PPF for your daughter’s education from college to PhD.

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Set Goals (28 articles)

• Are Your MF Investments Do it Yourself? Make Plan it Yourself Your New Mantra for Success

  This article explains how DIY investors can move from a shoot & aim to aim & shoot approach towards their investments.

• How to map your mutual funds to your investment goals?

  This article shows how investors can map their various investments, like mutual funds, FDs, NPS, stocks etc., to different goals.

• 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.

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Loans (22 articles)

• Should you pay home loan EMI by SWP from mutual funds?

  This article explores how paying home loan EMI via regular withdrawals from mutual funds can be beneficial.

• Essential Questions to Ask Your Bank Before Taking a Home Loan in India

  This article lists out the most important questions to ask your bank before taking a home loan.

• Understanding Insurance Requirements for Home Loans in India: What's Mandatory and What's Optional?

  This article provides a clear guide to navigating the insurance requirements when securing a home loan, helping you make informed decisions.

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House Purchase (34 articles)

• Essential Questions to Ask Your Bank Before Taking a Home Loan in India

  This article lists out the most important questions to ask your bank before taking a home loan.

• Understanding Insurance Requirements for Home Loans in India: What's Mandatory and What's Optional?

  This article provides a clear guide to navigating the insurance requirements when securing a home loan, helping you make informed decisions.

• How to manage a home loan if you are worried about job loss?

  This article discusses the steps for investors in high-income brackets but hesitant to commit to a home loan due to the fear of job instability.

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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 (20 articles)

• Portfolio allocation models for Indian investors

  This article shows how different asset allocation models for Indian stock and bonds have performed over the years.

• Should Indian investors invest 100% in equity for their goals?

  This article shows a comparison of different asset-allocation values for debt and equity for different holding periods for Indian investors.

• How have different portfolios of stocks and bonds performed in India?

  This article shows the historical performance of stocks and bonds in India since 1999 for different asset allocations.

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Choosing Investments (38 articles)

• Which are the common statistical terms used in Investing?

  This article gives a brief overview of basic statistical terms used in investing in stocks and mutual funds.

• Exploring Alternative Investment Funds (AIF) in India: Opportunities and Taxation

  This article discusses how AIFs work and how they are taxed for both Resident Indians and NRIs.

• SENSEX vs PPF report card 2024: should you invest 1.5 lakhs in PPF in April?

  This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2024.

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Mutual Funds (61 articles)

• Budget 2024: How will international, debt and gold/silver funds get taxed going forward?

  This article shows you how debt, international and gold/silver mutual funds will get taxed as per the new capital gains tax declared in the Union Budget 2024.

• Union Budget 2024: What are the changes in capital gains tax for Stocks and Mutual Funds?

  This article analyses the change in taxation of stocks and mutual funds as per the Union Budget 2024.

• Understanding SEBI's proposed New Asset Class funds: will India get Long-short Hedge funds and Inverse ETFs?

  This article discusses SEBI’s new proposal for creating a new investment product which will work like mutual funds but use sophisticated strategies that are not yet in India.

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Risk (7 articles)

• 5.93% Fall in the Nifty: What Does Election Result Day Teach Us about Risk in Our Portfolio?

  This article talks about the volatility in the stock market on 4th June 2024, which was the day of election results.

• 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.

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Portfolio Construction (55 articles)

• Does a step-up SIP provide a higher return than an ordinary SIP?

  This article explains how the return and corpus created vary between a step-up SIP and an ordinary fixed SIP.

• How can grandparents invest for their grandchildren?

  This article provides multiple options for grandparents to transfer family wealth to their grandchildren.

• How easy is it to double your portfolio?

  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.

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Portfolio Review (27 articles)

• How should couples invest for their goals?

  This article shows how couples should invest together for their financial goals to manage their portfolio without any hassles.

• How to clean up your mutual fund portfolio?

  This article shows you various strategies to clean up your mutual fund portfolio.

• What are lazy portfolios and why you should implement them for your goals?

  This article shows what lazy portfolios are and how investors can quickly implement the concept to make reaching their goals more manageable.

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Insurance (17 articles)

• Understanding Insurance Requirements for Home Loans in India: What's Mandatory and What's Optional?

  This article provides a clear guide to navigating the insurance requirements when securing a home loan, helping you make informed decisions.

• Why LIC Amritbaal policy is a complete wastage of money: how to invest for your child in the right way

  We review the new LIC Amritbaal insurance cum investment plan so that parents are aware that the plan is not good for most people. We will also show what to do instead for your kid’s goals.

• Term Insurance with Return of Premium: a Complete Waste of Money

  This article explains why Term insurance with return of premium (TROP) is more expensive and wastes money that you should invest instead.

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Calculator (26 articles)

• Union Budget 2024: which is the best tax regime to choose from 1st April 2024? (July 2024 update)

  This article describes how to use the Arthgyaan goal-based investing tool as a calculator to determine if switching to the New Tax Regime makes sense from 1st April 2024.

• How much portfolio return do you need over your lifetime to meet all your goals?

  This article shows the calculation for your portfolio’s lifetime XIRR which allows you to meet all your goals.

• How to save tax using Section 54F for an under construction house?

  This article shows you the right way to apply Section 54F to save tax when you sell shares and mutual funds to buy an under-construction house.

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Retirement (38 articles)

• Building Generational Wealth through an Alternative Retirement Portfolio Planning Technique

  This article discusses an alternative retirement portfolio construction method for generational wealth transfer.

• Late to plan retirement: how much money does this 48 year old investor need to invest per month to retire at 60?

  Many investors are late to start retirement planning. This article shows what they should do to catch up.

• How much money does this 39 year old investor need to invest per month to retire at 58?

  A quick retirement calculation for a reader query who has a good amount of corpus already saved for retirement.

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FIRE (13 articles)

• Case study: can this double income single kid family reach FIRE at 50?

  This article shows how a double-income couple with a 2-year old reach their FIRE dream at the age of 50.

• Case study: how a family in their mid-30s with a newborn kid can FIRE and invest in real estate?

  This article shows how a double-income couple with a newborn child can invest for their future goals of FIRE and real-estate investment.

• What is CoastFIRE? How to achieve CoastFIRE in India?

  This article explains the concept of CoastFIRE and lets you calculate when you can achieve CoastFIRE.

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Pension (8 articles)

• How to get guaranteed income in retirement by combining dividends and pension?

  This article shows how to combine dividends from an equity portfolio with pension plans to get guaranteed income for life.

• Understanding dividend investing: should you invest in stocks or mutual funds for dividend income?

  This article explains the concept of dividends and shows which option is better for dividend income: stocks or mutual funds.

• 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.

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Market Movements (20 articles)

• How much return do we expect from the stock market now that the elections are over?

  This article uses historical data to estimate returns expected from the stock market post-election.

• What do you need to make money when the stock market suddenly drops like 4th June 2024?

  This article discusses the strategies needed to profit off sudden market falls like that happened on election results day on 4th June 2024.

• Worst mutual funds of 4th June 2024: which mutual funds fell the most on election results day?

  This article lists all the mutual funds that fell the most due to market volatility on 4th June 2024.

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Fixed Deposit (9 articles)

• Arbitrage Funds vs Fixed Deposits in India: Which is Better?

  This article highlights the main differences between arbitrage funds and fixed deposits in India to help investors make the best choice for their financial needs.

• Do the worst performing equity mutual funds beat FD?

  This article explores if the worst performing equity mutual funds have beat FD and RD returns.

• Frequently asked questions on NRE Fixed Deposits (NRE FD): the complete guide

  This article compiles an exhaustive list of FAQs on the concept of NRE Fixed Deposits (NRE FD).

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Tax (70 articles)

• Budget 2024: How will international, debt and gold/silver funds get taxed going forward?

  This article shows you how debt, international and gold/silver mutual funds will get taxed as per the new capital gains tax declared in the Union Budget 2024.

• Budget 2024: How to do tax harvesting for your shares and mutual funds?

  This article shows you how to do tax harvesting for shares and mutual funds as per the new capital gains tax declared in the Union Budget 2024.

• Union Budget 2024: What are the most important changes that will now affect your portfolio?

  This article analyses the most important changes affecting your portfolio as per the Union Budget 2024.

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NRI (20 articles)

• What are the TDS rates applicable to NRIs?

  This article provides a ready-reckoner list of Tax Deduction at Source (TDS) rates applicable to NRIs for their income in India.

• What should an US NRI do to become compliant with PFIC and FBAR rules on their Indian investments?

  This article advises on the steps a US-based Non-Resident Indian (NRI) should take regarding unreported mutual funds in India under FBAR and PFIC rules.

• The complete guide for transferring money to an NRE account: NRO to NRE and resident to NRE covered

  This article looks at the tax and compliance rules to keep in mind for transferring money to an NRE account by resident Indians, from NRO accounts and from abroad.

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Reader Questions (8 articles)

• How to balance FOMO and loss-aversion in the case of foreign RSUs?

  This article gives you a few pointers about what to do with your foreign RSUs that have appreciated a lot in value.

• What are the best ways to pay off a large credit card balance quickly?

  This article gives the list of people to whom you can give or receive gifts like cash, property, stocks, mutual funds or any other assets without paying tax.

• How much money does this 39 year old investor need to invest per month to retire at 58?

  A quick retirement calculation for a reader query who has a good amount of corpus already saved for retirement.

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Real Estate (7 articles)

• How to correctly calculate returns from an under construction flat?

  This article gives an easy-to-use calculator for knowing the returns from buying and later selling an under-construction property.

• How to include your property with a home loan in your portfolio?

  This article shows the right way of valuing your property with a home loan for your investment portfolio.

• How much real estate should you hold in your portfolio?

  This article discusses the role of real estate as an asset class. It shows a few options for valuing and including it in your portfolio.

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International Investing (13 articles)

• How to balance FOMO and loss-aversion in the case of foreign RSUs?

  This article gives you a few pointers about what to do with your foreign RSUs that have appreciated a lot in value.

• Why you must declare your foreign shares and RSUs during tax filing?

  This article gives you an overview of the tax-related tasks and calculations needed for resident Indians who hold foreign shares.

• How the government has provided relief to travellers and international investors by tweaking the LRS and TCS rules from 1st Oct 2023?

  This article provides the latest updates to the Liberalised Remittance Scheme (LRS) and Tax Collected at Source (TCS) rules as applicable from 1st Oct 2023.

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Gold (22 articles)

• Gold touched ₹75,000 per 10 gm. Should you buy gold or sell gold at this point?

  This article explores the probabilities of gold price movement, both up and down, from current price levels.

• SGB issued in Mar 2016 has given 126% return in 8 years. How does that compare with FDs and equity mutual funds?

  The Mar 2016 SGB showcased a fantastic return on maturity compared to other investment avenues like fixed deposits and some equity mutual funds.

• SGB return vs issue price: what returns do you expect to get from SGB?

  This article compares the currently active SGBs vs the latest SGB issue price to see what returns are implied for investors who are already invested.

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Review (21 articles)

• Tata Nifty India Tourism Index Fund NFO: should you invest?

  This article discusses the NFO of the Tata Nifty India Tourism Index Fund which is the first fund tracking the Nifty Tourism Index.

• NSE launches the Nifty Top 10 Equal Weight Index. Should you invest?

  This article discusses the Nifty Top 10 Equal Weight Index covering the 10 largest mega-cap stocks in India and whether these stocks are suitable for investors.

• Bandhan Nifty Total Market Index Fund NFO: should you invest?

  This article discusses the NFO of the Bandhan Nifty Total Market Index Fund which is the second fund tracking the Nifty Total Market Index.

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News (26 articles)

• Union Budget 2024: Should you invest more in NPS now in the new tax regime?

  This article analyses the change in NPS-related tax deductions as per the Union Budget 2024.

• Budget 2024: A Surprise in Real Estate Sales due to Indexation Benefit Removal: Is it good or bad?

  This article analyses the change in taxation of real estate sales in India as per Union Budget 2024.

• Understanding SEBI's proposed New Asset Class funds: will India get Long-short Hedge funds and Inverse ETFs?

  This article discusses SEBI’s new proposal for creating a new investment product which will work like mutual funds but use sophisticated strategies that are not yet in India.

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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 (11 articles)

• NPS Vatsalya: A Gimmicky Product That Should Be Avoided If You Are Serious About Investing For Your Children

  This article discusses the NPS Vatsalya scheme that does not make any sense as a product for anyone even if you plan to invest for your children’s retirement.

• Union Budget 2024: Should you invest more in NPS now in the new tax regime?

  This article analyses the change in NPS-related tax deductions as per the Union Budget 2024.

• How to Track Your NPS Portfolio for Free with the Arthgyaan Goal-Based Investing Tool?

  This article walks you through setting up and tracking your NPS portfolio for free using this user-friendly and free tool.

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Step by step (15 articles)

• How to Buy Your Dream Home Without Any Savings: A Step-by-Step Guide

  This article shows how sufficient cash flow is the key to purchasing a house, even if you are yet to save for the down payment.

• How to file TDS for Property Purchase: A Step-by-Step Guide

  This article explains the steps for paying TDS on purchasing property in an easy step-by-step manner.

• Where to invest your monthly income if you spend only 45% a month?

  This article answers a question about investing a certain percentage (here 55%) of your monthly income.

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FAQ (13 articles)

• Essential Questions to Ask Your Bank Before Taking a Home Loan in India

  This article lists out the most important questions to ask your bank before taking a home loan.

• Frequently asked questions on saving tax via Hindu Undivided Family (HUF): the complete guide

  This article compiles an exhaustive list of FAQs on the concept of tax saving by creating an HUF.

• What is MFCentral and why you should be using it?

  This article introduces MFCentral as a one-stop-shop for transacting in mutual funds for Indian mutual fund investors.

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Health Insurance (6 articles)

• What Policyholders Must Know about IRDA's Master Circular on Health Insurance Business (29/05/2024)?

  This article discusses the latest Master Circular on Health Insurance Business, issued on 29/05/2024, which introduced significant changes aimed at enhancing policyholder protection and streamlining claim settlements.

• Frequently asked questions (FAQs) on Cashless Everywhere facility in health insurance

  This article gives you a list of common questions and their answers on the concept of “Cashless Everywhere” introduced for health insurance.

• 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.

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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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Market Data (10 articles)

• What are the rolling returns of SIP and lump sum of direct mutual funds? (July 2024 edition)

  This article provides a list of fund and category-wise statistics of rolling return of SIP and lump sum investments for various mutual funds.

• What are the Latest Coupon Rates for Government Bonds in India?

  This article gives you the latest government bond coupon rates so that you can maximize your return from these bonds.

• How to use Arthgyaan API to get NPS NAV to calculate your NPS corpus value?

  This article helps you get NPS NAV data via an easy to use API so that you can easily calculate, using Excel or Google Sheets, how much money you have in NPS.

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Case Study (6 articles)

• Case study: how can this middle-aged investor with two children plan for retirement and children's goals?

  This article shows how a single-income middle-aged couple with two small children reach their retirement and children’s goals.

• Case study: can this double income single kid family reach FIRE at 50?

  This article shows how a double-income couple with a 2-year old reach their FIRE dream at the age of 50.

• Case study: how a family in their mid-30s with a newborn kid can FIRE and invest in real estate?

  This article shows how a double-income couple with a newborn child can invest for their future goals of FIRE and real-estate investment.

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Budget (12 articles)

• NPS Vatsalya: A Gimmicky Product That Should Be Avoided If You Are Serious About Investing For Your Children

  This article discusses the NPS Vatsalya scheme that does not make any sense as a product for anyone even if you plan to invest for your children’s retirement.

• Budget 2024: How will international, debt and gold/silver funds get taxed going forward?

  This article shows you how debt, international and gold/silver mutual funds will get taxed as per the new capital gains tax declared in the Union Budget 2024.

• Budget 2024: How to do tax harvesting for your shares and mutual funds?

  This article shows you how to do tax harvesting for shares and mutual funds as per the new capital gains tax declared in the Union Budget 2024.

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Research (5 articles)

• Arthgyaan India Active Fund Scorecard (Dec-2023)

  This is the first release of the Arthgyaan India Active Fund Scorecard to help mutual fund investors in India make better investment decisions.

• Portfolio allocation models for Indian investors

  This article shows how different asset allocation models for Indian stock and bonds have performed over the years.

• How much Long-Term Wealth has been Built with Equity Investing in the US Stock Market?

  This article explores how much return has come from the US stock market using data from the 1870s.

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