If you’re in your 30s, 40s, or even 50s, chances are you’ve asked yourself this big question: Is ₹1 crore really enough to retire comfortably in India? At first glance, it sounds like a huge amount of money, but when you consider rising costs, longer lifespans, and inflation, the picture becomes less reassuring. Let’s break…
Financial freedom isn’t a single destination but a journey with distinct, measurable stages. Understanding where you are today is the most critical step toward developing a clear, targeted strategy to reach your goals. Based on the framework from financial experts like Grant Sabatier, author of “Financial Freedom,” here is a comprehensive guide to the seven…
For most investors in India, mutual funds feel like the easiest path to wealth. You set up a SIP, sit back, and let the fund manager do the heavy lifting. But here’s the truth: not all mutual fund investments lead to financial freedom as smoothly as you’d hope. Why? Because hidden traps—things you often overlook—can…
When it comes to building wealth, Indian investors have long debated between three classic choices: equity, gold, and PPF (Public Provident Fund). Each asset has its own strengths—equity for growth, gold for stability, and PPF for safety. But if the goal is wealth creation over the long term, which one truly comes out on top?…
No, ETFs (Exchange-Traded Funds) and Index Funds are not the same, even though both are designed to track a market index and provide low-cost, diversified investing. The key difference lies in their structure and trading style: ETFs trade like stocks on an exchange with intraday price movements, while Index Funds are mutual funds priced once…
When it comes to mutual funds, investors are often overwhelmed with categories—large-cap, mid-cap, small-cap, multi-cap, and now flexi-cap. So, the big question is: Why are flexi-cap funds considered the most versatile option, and how are they different from multi-cap funds? Let’s break it down step by step. What Are Flexi-Cap Funds? Flexi-cap funds are mutual…
When it comes to managing money, most people struggle with the balance between enjoying life and saving for the future. Radhika Gupta, CEO of Edelweiss Mutual Fund and author of Mango Millionaire, offers a simple yet powerful framework to solve this problem — the 10-30-50 Rule. This rule recommends saving 10% of your income in…
Managing money today isn’t easy—rents are rising, bills keep piling up, and saving often takes a backseat. That’s why simple rules can make a big difference. One such strategy gaining attention is the 30-30-30-10 rule. Unlike older budgeting methods, it offers a practical way to divide income for housing, daily needs, savings, and lifestyle without…
For long-term investors in India, choosing between Flexi Cap, Multi Cap, and Value funds involves understanding their core strategies, benefits, and how they typically perform over extended periods. There isn’t a single “best” fund, as the ideal choice depends on your risk tolerance, investment horizon, and personal financial goals. Let’s break down each category: 1….
When markets swing wildly, it’s easy to get caught up—buying in excitement or selling in fear. But Warren Buffett and Charlie Munger’s decades of success at Berkshire Hathaway prove that the real key to building wealth lies in Long Term Investing. If you want to adopt their proven approach, here are the core principles to…