If you’ve been investing in small-cap mutual funds, you might have noticed a sharp decline in their value recently. As of February 22, 2025, small-cap funds in India have dropped by an average of 12% since the start of the year. A sudden downturn like this can be unsettling, leaving many investors wondering whether to…
“Nobody likes seeing their pay check shrink because of taxes, right? That’s why figuring out how to manage your taxes is a key part of any good financial plan. India has tons of ways to save on taxes, but it can be overwhelming trying to figure out which option is right for you. Two of…
Imagine waking up to the news that your loan EMIs might reduce, making life a bit easier. Sounds good, right? Well, that’s exactly what the Reserve Bank of India’s (RBI) recent decision to cut the repo rate by 25 basis points to 6.25% in February 2025 could mean for millions of borrowers across India. Whether…
Introduction Unit Linked Insurance Plans (ULIPs) offer a combination of insurance coverage and investment in market-linked assets such as equities and debt. While they provide flexibility and potential for high returns, ULIPs come with various charges that can impact your overall gains. Understanding these charges is crucial for making informed investment decisions. In this guide,…
The Public Provident Fund (PPF) has long been a preferred investment option for Indians due to its tax benefits, stable returns, and government backing. However, with the introduction of the new tax regime under Section 115BAC, investors need to reassess how PPF fits into their financial planning for FY 2025-26. While the new regime simplifies…
In a significant move under the Union Budget 2025-26, Finance Minister Nirmala Sitharaman announced tax benefits for contributions made to the NPS Vatsalya scheme, aligning its tax treatment with that of the regular National Pension System (NPS). This decision is expected to enhance the appeal of the scheme and encourage more parents to invest in…
Charlie Munger, the legendary investor and long-time partner of Warren Buffett, is widely celebrated for his wisdom in investing and life. Among his many pearls of advice, one stands out for its simplicity yet profound impact: “The first rule of compounding: Never interrupt it unnecessarily.” This one line distils the essence of what makes compounding…
Investing in mutual funds can feel overwhelming, especially with all the financial jargon thrown around. But here’s the good news: SEBI, India’s securities regulator, is making things easier for everyday investors. By introducing the concept of Risk-Adjusted Returns (RAR) and the Information Ratio (IR) as mandatory metrics for mutual funds, they’re empowering us to make…
HOW INFLATION IMPACTS YOUR FINANCES & HOW TO PROTECT IT Inflation—it’s a word we hear all the time in the news, but what does it actually mean for your wallet? Simply put, inflation refers to the gradual increase in the prices of goods and services over time. It means that the same ₹100 that used…
The ABCs of Asset Allocation: Your Path to Smart Investing Hi there! So, you’ve decided to take the leap into the world of investing. Congratulations! But wait – before you dive in, let me tell you something that can make or break your journey: asset allocation. Sounds like a fancy finance term, doesn’t it? Don’t…