Start here

Topics

Useful tools

• 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.

• Read more on this topic of Behaviour

  Click here

⬆️ Back to top

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.

• Read more on this topic of Budgeting

  Click here

⬆️ Back to top

Children (19 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.

• Read more on this topic of Children

  Click here

⬆️ Back to top

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.

• Read more on this topic of Set Goals

  Click here

⬆️ Back to top

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.

• Read more on this topic of Loans

  Click here

⬆️ Back to top

House Purchase (36 articles)

• Which are the important points to keep in mind when buying a house from an NRI seller?

  The article lists out the important points and steps that a resident Indian buyer should keep in mind when purchasing property from an NRI seller.

• Review: LIC Digi Credit Plan (UIN: 512N358V01) as loan insurance for your dream home

  This article discusses the new LIC Digi Credit Plan (UIN: 512N358V01) policy and how it can be used as loan insurance for your home loan.

• 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.

• Read more on this topic of House Purchase

  Click here

⬆️ Back to top

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.

• Read more on this topic of Basics

  Click here

⬆️ Back to top

Asset Allocation (19 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.

• Read more on this topic of Asset Allocation

  Click here

⬆️ Back to top

Choosing Investments (39 articles)

• Retirement Portfolio Strategy: How to Allocate Equity, Debt, and Cash Buckets for Maximum Security and Growth

  This article explains how retirees should choose different investments for their equity, debt, and cash buckets for their post-retirement portfolio.

• 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.

• Read more on this topic of Choosing Investments

  Click here

⬆️ Back to top

Mutual Funds (65 articles)

• Franklin India Ultra Short Duration Fund portfolio analysis: Is Franklin Templeton creating the same portfolio that shut its funds in Apr 2020?

  This article analyses the portfolio of the Franklin India Ultra Short Duration Fund to see if there any potential red flags similar to what led to the closure of six Franklin debt funds in April 2020.

• FRANKLIN INDIA ULTRA SHORT DURATION FUND relaunch: Should investors again trust Franklin Templeton for this debt fund?

  This article reviews the re-entry of Franklin Templeton AMC into the segment of Ultra Short Duration funds after a similar fund got shut during the COVID pandemic.

• HSBC India Export Opportunities Fund: Should you invest?

  This article discusses a new offering by HSBC Mutual Fund focusing on companies in the Export sector.

• Read more on this topic of Mutual Funds

  Click here

⬆️ Back to top

Risk (8 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.

• 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.

• 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.

• Read more on this topic of Risk

  Click here

⬆️ Back to top

Portfolio Construction (56 articles)

• Which are the Best Mutual Fund Categories for every Investment Horizon?

  This article breaks down mutual fund categories based on your investment horizon—whether it’s 5, 10, or 15 years away.

• 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.

• Read more on this topic of Portfolio Construction

  Click here

⬆️ Back to top

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.

• Read more on this topic of Portfolio Review

  Click here

⬆️ Back to top

Insurance (18 articles)

• Review: LIC Digi Credit Plan (UIN: 512N358V01) as loan insurance for your dream home

  This article discusses the new LIC Digi Credit Plan (UIN: 512N358V01) policy and how it can be used as loan insurance for your 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.

• 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.

• Read more on this topic of Insurance

  Click here

⬆️ Back to top

Calculator (29 articles)

• Calculator: UPS vs. NPS - which is better?

  This article shows how to determine if an NPS subscriber should switch to the newly announced Unified Pension Scheme.

• What are the tax implications of selling inherited shares and equity mutual funds?

  This article shows how to calculate the tax on selling inherited shares and equity mutual funds using the grandfathering concept.

• Which are the Best Mutual Fund Categories for every Investment Horizon?

  This article breaks down mutual fund categories based on your investment horizon—whether it’s 5, 10, or 15 years away.

• Read more on this topic of Calculator

  Click here

⬆️ Back to top

Retirement (39 articles)

• Retirement Portfolio Strategy: How to Allocate Equity, Debt, and Cash Buckets for Maximum Security and Growth

  This article explains how retirees should choose different investments for their equity, debt, and cash buckets for their post-retirement portfolio.

• 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.

• Read more on this topic of Retirement

  Click here

⬆️ Back to top

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.

• Read more on this topic of FIRE

  Click here

⬆️ Back to top

Pension (9 articles)

• Calculator: UPS vs. NPS - which is better?

  This article shows how to determine if an NPS subscriber should switch to the newly announced Unified Pension Scheme.

• 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.

• Read more on this topic of Pension

  Click here

⬆️ Back to top

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.

• Read more on this topic of Market Movements

  Click here

⬆️ Back to top

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).

• Read more on this topic of Fixed Deposit

  Click here

⬆️ Back to top

Tax (80 articles)

• Complete Tax Guide for NRIs Selling Land in India

  This article simplifies the process of selling land in India for NRIs, offering clear insights on how to manage TDS deductions, understand the differences between urban and rural agricultural land, and calculate capital gains tax.

• Budget 2024 TCS Changes: Minimise the Impact Of TCS on Your Foreign Stocks and other LRS Investments

  This article shows how you can now offset TCS against your salary’s TDS providing significant relief and improving your cash flow.

• Understanding the 40% IRS Estate Tax: Crucial for Indians with US Assets

  This article explains the concept of US Estate taxes that might take out a large chunk of the portfolio of Indian and NRI investors due to tax on their US-based assets.

• Read more on this topic of Tax

  Click here

⬆️ Back to top

NRI (25 articles)

• Complete Tax Guide for NRIs Selling Land in India

  This article simplifies the process of selling land in India for NRIs, offering clear insights on how to manage TDS deductions, understand the differences between urban and rural agricultural land, and calculate capital gains tax.

• Understanding the 40% IRS Estate Tax: Crucial for Indians with US Assets

  This article explains the concept of US Estate taxes that might take out a large chunk of the portfolio of Indian and NRI investors due to tax on their US-based assets.

• FAQs for NRIs for applying for Power of Attorney (PoA) for selling a house in India

  This article lists out the processes and frequently asked questions for NRIs looking to create a Power of Attorney for selling their house in India.

• Read more on this topic of NRI

  Click here

⬆️ Back to top

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.

• Read more on this topic of Reader Questions

  Click here

⬆️ Back to top

Real Estate (13 articles)

• Complete Tax Guide for NRIs Selling Land in India

  This article simplifies the process of selling land in India for NRIs, offering clear insights on how to manage TDS deductions, understand the differences between urban and rural agricultural land, and calculate capital gains tax.

• Budget 2024 taxation rule reversal: grandfathering rule brings back indexation benefit to properties acquired before July 2024

  This article explains the new of the reversal of the 12.5% without indexation tax rule to allow 20% with indexation for all properties bought before 23rd July 2024.

• How should NRIs sell property in India?

  The article lists out the important points and steps an NRI property seller must keep in mind while selling property in India.

• Read more on this topic of Real Estate

  Click here

⬆️ Back to top

International Investing (16 articles)

• Budget 2024: How New Changes Make International Investing under LRS Easier for Indians?

  This article analyses the changes in Budget 2024 that impact investors investing abroad under the RBI’s Liberalised Remittance Scheme.

• Budget 2024 TCS Changes: Minimise the Impact Of TCS on Your Foreign Stocks and other LRS Investments

  This article shows how you can now offset TCS against your salary’s TDS providing significant relief and improving your cash flow.

• Understanding the 40% IRS Estate Tax: Crucial for Indians with US Assets

  This article explains the concept of US Estate taxes that might take out a large chunk of the portfolio of Indian and NRI investors due to tax on their US-based assets.

• Read more on this topic of International Investing

  Click here

⬆️ Back to top

Gold (24 articles)

• SGB issued in Aug 2016 has given 122% return in 8 years. How does that compare with FDs and equity mutual funds?

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

• Budget 2024: Should you still invest in SGB after Gold import duty cut?

  This article discusses the impact on investors’ psyche due to impact on Gold price due to government policy change.

• 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.

• Read more on this topic of Gold

  Click here

⬆️ Back to top

Review (25 articles)

• Adani Enterprises Bond Issue: Should You Invest?

  This article analyses the Adani Enterprise Bond Offering for retail investors to help understand whether retail investors should invest in it or not.

• Review: LIC Digi Credit Plan (UIN: 512N358V01) as loan insurance for your dream home

  This article discusses the new LIC Digi Credit Plan (UIN: 512N358V01) policy and how it can be used as loan insurance for your home loan.

• HSBC India Export Opportunities Fund: Should you invest?

  This article discusses a new offering by HSBC Mutual Fund focusing on companies in the Export sector.

• Read more on this topic of Review

  Click here

⬆️ Back to top

News (27 articles)

• Adani Enterprises Bond Issue: Should You Invest?

  This article analyses the Adani Enterprise Bond Offering for retail investors to help understand whether retail investors should invest in it or not.

• You can now donate shares to temples. This article shows how to do that

  Devotees have the option to donate shares from their demat account to temples like Siddhivinayak and Tirupati. This article gives you the information needed to donate.

• 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.

• Read more on this topic of News

  Click here

⬆️ Back to top

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.

• Read more on this topic of Life Stages

  Click here

⬆️ Back to top

NPS (12 articles)

• Calculator: UPS vs. NPS - which is better?

  This article shows how to determine if an NPS subscriber should switch to the newly announced Unified Pension Scheme.

• 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.

• Read more on this topic of NPS

  Click here

⬆️ Back to top

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.

• Read more on this topic of Step by step

  Click here

⬆️ Back to top

FAQ (16 articles)

• Frequently Asked Questions on New Rules for Irregular PPF and Sukanya Samriddhi Accounts from 1st October 2024

  This article discusses the new Department of Economic Affairs rules regarding irregular PPF and Sukanya Samriddhi Accounts as applicable from 1st October 2024.

• FAQs for NRIs for applying for Power of Attorney (PoA) for selling a house in India

  This article lists out the processes and frequently asked questions for NRIs looking to create a Power of Attorney for selling their house in India.

• FAQs for NRIs for applying for Lower Deduction Certificate by filling Form 13

  This article lists out the processes and frequently asked questions for NRIs looking to fill Form 13 for applying for Lower Deduction Certificate.

• Read more on this topic of FAQ

  Click here

⬆️ Back to top

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.

• Read more on this topic of Health Insurance

  Click here

⬆️ Back to top

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.

• Read more on this topic of Safe Withdrawal Rate

  Click here

⬆️ Back to top

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.

• Read more on this topic of Market Data

  Click here

⬆️ Back to top

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.

• Read more on this topic of Case Study

  Click here

⬆️ Back to top

Budget (18 articles)

• Budget 2024: How New Changes Make International Investing under LRS Easier for Indians?

  This article analyses the changes in Budget 2024 that impact investors investing abroad under the RBI’s Liberalised Remittance Scheme.

• Budget 2024 TCS Changes: Minimise the Impact Of TCS on Your Foreign Stocks and other LRS Investments

  This article shows how you can now offset TCS against your salary’s TDS providing significant relief and improving your cash flow.

• Budget 2024 taxation rule reversal: grandfathering rule brings back indexation benefit to properties acquired before July 2024

  This article explains the new of the reversal of the 12.5% without indexation tax rule to allow 20% with indexation for all properties bought before 23rd July 2024.

• Read more on this topic of Budget

  Click here

⬆️ Back to top

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.

• Read more on this topic of Research

  Click here

⬆️ Back to top