# WishWiseWealth


## Posts

- [Money rules that changed Indian investors' lives: 1952 to today](https://wishwisewealth.com/money-rules-that-changed-indian-investors-lives-1952-to-today/): From EPF and UTI's first scheme to direct plans, the riskometer, UPI and the new Income-tax Act. A short history of the rules that shape how Indians save, and what each means for you.
- [Seven money habits from around the world worth copying](https://wishwisewealth.com/seven-money-habits-from-around-the-world-worth-copying/): Japan's kakeibo notebook, Sweden's orange envelope, Germany's dislike of debt and Singapore's compulsory saving. Seven small habits from other countries, and how to use each one in India.
- [The richest people in history and what they teach about money](https://wishwisewealth.com/the-richest-people-in-history-and-what-they-teach-about-money/): A king who gave the world coins, an emperor whose pilgrimage crashed the price of gold, a Nizam with a diamond paperweight and an investor who made almost all his fortune after 50.
- [Gold, gullak, bishi and streedhan: India's money traditions decoded](https://wishwisewealth.com/gold-gullak-bishi-and-streedhan-indias-money-traditions-decoded/): Dhanteras gold, the clay gullak, the ladies' bishi and the extra rupee in a shagun envelope. What our money traditions got right, and how to update each one for today.
- [How the world forces people to save: CPF, Super, KiwiSaver and lessons for India](https://wishwisewealth.com/how-the-world-forces-people-to-save-cpf-super-kiwisaver-and-lessons-for-india/): Singapore sets aside up to 37% of salary, Australia makes employers pay 12% and Britain enrols workers automatically. How these systems work and what an Indian family can borrow.
- [10 money myths Indians grow up with — and what the numbers really say](https://wishwisewealth.com/10-money-myths-indians-grow-up-with-and-what-the-numbers-really-say/): Gold never falls, property only goes up, FDs are risk-free, a low NAV is cheap. Ten beliefs most of us inherited at the dinner table, tested against real numbers.
- [Old or new tax regime in 2026-27? Three salaries, worked out](https://wishwisewealth.com/old-or-new-tax-regime-in-2026-27-three-salaries-worked-out/): For most salaried people the new regime now wins. We work through ₹10 lakh, ₹15 lakh and ₹25 lakh salaries, explain marginal relief and employer NPS, and show when the old regime still comes out ahead.
- [Beyond GDP: how wealth-being is measured, from countries to families](https://wishwisewealth.com/beyond-gdp-how-wealth-being-is-measured-from-countries-to-families/): GDP, income per person, HDI, happiness, inequality and financial literacy: what each measure tells you, where India stands, and how to build your own family wealth check.
- [How ordinary people actually become rich](https://wishwisewealth.com/how-ordinary-people-actually-become-rich/): Not lottery wins or stock tips. The unglamorous pattern behind most self-made wealth: earning power, the gap, ownership, time and avoiding disasters, with the numbers that show why.
- [Understanding risk: why a 30% fall is normal for equity funds](https://wishwisewealth.com/understanding-risk-why-a-30-fall-is-normal-for-equity-funds/): Volatility is not the same as losing money. What the riskometer means, how deep past falls in Indian markets have been, and how to size equity so you can stay invested.
- [How much do you need to retire in India? A worked example](https://wishwisewealth.com/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 your own figures.
- [Your first mutual fund portfolio: a step-by-step plan](https://wishwisewealth.com/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.
- [What is a SIP? The complete beginner's guide for Indian families](https://wishwisewealth.com/what-is-a-sip-the-complete-beginners-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.
- [Term and health insurance first: the order that protects your SIPs](https://wishwisewealth.com/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 needs, why mixing insurance with investment usually costs more, and the right order to build both.
- [Index fund or active fund? What each is good at](https://wishwisewealth.com/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 shows in India, and why many families use both.
- [10 mistakes new SIP investors make (and how to avoid them)](https://wishwisewealth.com/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 that hold the same shares, here are ten we see often — with the fix for each.
- [Nominees, documents and the family binder: the gift nobody talks about](https://wishwisewealth.com/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 claim needs, and a simple family binder checklist you can finish this weekend.
- [Retirement income with the three-bucket SWP method](https://wishwisewealth.com/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 growth assets. Here is how a ₹1.2 crore corpus can pay ₹50,000 a month, rising with inflation, for over 30 years.
- [Planning your child's education: why 10% inflation changes everything](https://wishwisewealth.com/planning-your-childs-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 number on the goal, how much SIP it needs at different ages, and how to protect the money as admission day approaches.
- [The market just fell 10%. What should a SIP investor do?](https://wishwisewealth.com/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 SIP, why stopping is the costliest mistake, and a calm five-step checklist for the next time the headlines turn red.
- [How mutual funds are taxed in 2026-27: a plain-language guide](https://wishwisewealth.com/how-mutual-funds-are-taxed-in-2026-27-a-plain-language-guide/): Equity funds, debt funds, hybrids, gold and international funds are all taxed differently, and the holding period decides the rate. Here are the rules for the 2026-27 tax year in plain words, with worked examples you can follow.
- [Where to keep your emergency fund (and where not to)](https://wishwisewealth.com/where-to-keep-your-emergency-fund-and-where-not-to/): An emergency fund has one job — to be there, in full, on the worst day of your year. Here is how big it should be, how to split it across a bank account, a sweep-in deposit and a liquid fund, and five places it should never sit.
- [How to read a mutual fund factsheet in 10 minutes](https://wishwisewealth.com/how-to-read-a-mutual-fund-factsheet-in-10-minutes/): A factsheet tells you what a fund owns, what it costs, how risky it has been and who runs it — on one or two pages. Here is a ten-minute routine, section by section, with the questions to ask at each step.
- [Direct plan or regular plan? What you really pay for](https://wishwisewealth.com/direct-plan-or-regular-plan-what-you-really-pay-for/): Every mutual fund comes in two versions. The direct plan has a lower expense ratio; the regular plan pays a distributor like us. Here is exactly what the difference costs over 20 years, what you get for it, and who should choose which.
- [SIP or lump sum? A simple way to decide](https://wishwisewealth.com/sip-or-lump-sum-a-simple-way-to-decide/): In a market that rises steadily, a lump sum usually ends ahead; in a market that dips first, a SIP often wins. Since nobody knows which market is coming, here is a practical rule based on where your money comes from and how you will feel if prices fall next month.
- [SWP explained: turning a lump sum into a monthly income](https://wishwisewealth.com/swp-explained-turning-a-lump-sum-into-a-monthly-income/): A Systematic Withdrawal Plan pays you a fixed amount every month from a mutual fund while the rest stays invested. How long the money lasts depends mainly on one number — how much you withdraw each year. Here is the table that matters.
- [The real cost of waiting five years to start your SIP](https://wishwisewealth.com/the-real-cost-of-waiting-five-years-to-start-your-sip/): Waiting five years to start a ₹10,000 SIP does not cost you ₹6 lakh of missed instalments. Over 25 years it can cost almost half the final corpus. Here is the arithmetic of delay, and the easy way out.
- [Step-up SIP: why raising your SIP by 10% a year can double your result](https://wishwisewealth.com/step-up-sip-why-raising-your-sip-by-10-a-year-can-double-your-result/): A ₹10,000 SIP for 20 years at an assumed 12% grows to about ₹92 lakh. Raise it by 10% every year and the same plan reaches about ₹1.86 crore. Here is why, and how to set it up without feeling the pinch.
- [How a small SIP can pay back every rupee of your home-loan interest](https://wishwisewealth.com/how-a-small-sip-can-pay-back-every-rupee-of-your-home-loan-interest/): A ₹50 lakh home loan at 8.5% for 25 years costs about ₹70.8 lakh in interest. A SIP of roughly ₹4,160 a month, run alongside it, can build a corpus of the same size — here is the maths, the risks, and how it compares with prepaying.

## Pages

- [Editorial policy](https://wishwisewealth.com/editorial-policy/): This page explains who writes the articles and tools on wishwisewealth.com, how we check them, and how we make money — so you can judge what you read here. Who is responsible Every article and tool on this website is published under the responsibility of Dr. Deepak N. Paithankar, an AMFI-registered Mutual Fund Distributor (ARN-188221) based in Nashik, Maharashtra. He holds a PhD in Civil Engineering and teaches engineering, and has helped families invest since 2021. How articles are written and checked Purpose: we write to explain, not to sell. Articles never recommend a specific scheme and never promise or predict […]
- [The Inflation Alligator — what things cost then and now](https://wishwisewealth.com/inflation-alligator/)
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- [Terms of Use](https://wishwisewealth.com/terms/): By using wishwisewealth.com you agree to these terms. Please read them together with our Disclosures and Privacy Policy. Educational purpose All articles, calculators, back-tests, games and market information on this website are for general education and information. They are not investment, tax or legal advice and do not consider your personal circumstances. Please read all scheme-related documents carefully and consult a qualified professional before making decisions. No guarantee of returns Mutual fund investments are subject to market risks. Calculators use assumed rates of return; back-tests use historical data. Past performance may or may not be sustained in future, and no result […]
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- [Disclosures & Disclaimer](https://wishwisewealth.com/disclosures/): Who we are WishWiseWealth is the business name of Dr. Deepak N. Paithankar, an AMFI-registered Mutual Fund Distributor, ARN-188221. We distribute mutual fund schemes and receive commissions from the Asset Management Companies (AMCs) whose schemes our clients invest in. We are not a SEBI-registered Investment Adviser. Commission disclosure We receive trail commission from AMCs on investments made through us in regular plans. Details of the commission earned on your investments are available on request and are also disclosed in your Consolidated Account Statement (CAS). Calculators All calculators on this website are for illustration and education only. Results are based on the […]
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