Retirement income
How much do you need to retire in India? A worked example
One family's retirement numbers worked step by step: inflation, the corpus, the monthly SIP, the cost of waiting and a stress test, so you can repeat it with…
Articles
Plain-language guides to investing for Indian families — page 2
Written and reviewed by Dr. Deepak N. Paithankar, AMFI-registered Mutual Fund Distributor. Every article works through real numbers, states its assumptions and ends with the questions families actually ask. New articles on Tuesdays, Thursdays and Saturdays.
Goal planning
Your first mutual fund portfolio: a step-by-step plan
From protection to goals to fund categories: a practical sequence for building a first portfolio you will actually stick with, worked through for a family with three goals.
SIP basics
What is a SIP? The complete beginner’s guide for Indian families
How a Systematic Investment Plan works, what it costs, how long to stay, how it is taxed and how to start — explained without jargon.
Safety first
Term and health insurance first: the order that protects your SIPs
Investments grow wealth; insurance protects it. Without term and health cover, one illness or death can wipe out years of SIPs. Here is how much cover a family…
Understanding funds
Index fund or active fund? What each is good at
Index funds copy the market at low cost; active funds try to beat it and charge more for the effort. Here is how each works, what the evidence…
SIP basics
10 mistakes new SIP investors make (and how to avoid them)
A SIP is the simplest way to invest, yet small mistakes in the first few years cost lakhs later. From stopping in a fall to owning eight funds…
Safety first
Nominees, documents and the family binder: the gift nobody talks about
Most families spend years building investments and minutes thinking about how the family will find and claim them. Here is how nominations work for mutual funds, what a…
Retirement income
Retirement income with the three-bucket SWP method
The three-bucket method splits a retirement corpus by when you will need the money: two years in near-cash, five years in a steady mix, and the rest in…
Goal planning
Planning your child’s education: why 10% inflation changes everything
A degree that costs ₹10 lakh today could cost about ₹42 lakh in 15 years if fees rise 10% a year. Here is how to put a realistic…
Behaviour
The market just fell 10%. What should a SIP investor do?
Falls of 10% or more are a normal part of investing in equity, not a sign that something is broken. Here is what a fall does to a…