Investments
Sukanya Samriddhi or PPF: Which Suits a Child's Future?
Both are government-backed, tax-free and long-term. The right choice comes down to the deposit window, the maturity date and what the money is for.
· 3 min read
Investments
SIP, lumpsum, compounding and choosing between savings products.
Investments
Target SIP: Working Backwards From Your Goal
Instead of guessing a monthly amount, start from the goal, inflate it, and calculate the SIP required. The answer is often uncomfortable and always us...
· 3 min read
Investments
Retirement Corpus: How Much Is Actually Enough?
The number usually shocks people. Here is the two-step calculation behind it, and the levers that make it smaller.
· 3 min read
Investments
SWP: Turning a Corpus Into a Monthly Income
A systematic withdrawal plan pays you every month while the balance stays invested. Whether it lasts depends almost entirely on the withdrawal rate.
· 3 min read
Investments
The Rule of 72: How Long Will Your Money Take to Double?
Divide 72 by your annual return and you get the number of years it takes to double. It is the simplest useful shortcut in personal finance.
· 3 min read
Investments
Emergency Fund: How Much Is Enough and Where to Keep It
The emergency fund is the least exciting part of a financial plan and the one that keeps everything else from falling apart.
· 3 min read
Investments
EPF, PPF and NPS: Which Should a Salaried Person Use?
One is automatic, one is tax-free, and one is market-linked. Most salaried investors can use two or three together.
· 4 min read
Investments
Step-Up SIP: Why a 10% Yearly Increase Changes the Ending
Increasing your monthly investment once a year sounds like a small adjustment. Over fifteen years it roughly doubles the corpus.
· 3 min read
Investments
Inflation and Your Savings: Why 6% Matters More Than You Think
A deposit earning 7% with inflation at 6% is not growing your money. It is barely keeping pace, and tax usually removes the rest.
· 4 min read