Tax Planning
Retirement Planning
EPF Is Not Your Retirement Plan
After 30 years of contributions, EPF covers roughly 20–25% of what most salaried Indians actually need. Here's the gap calculation and the plan to close it.
Retirement PlanningNPS vs PPF: Which Is Better for Retirement in India?
A detailed comparison of two popular government-backed schemes — which one belongs in your retirement portfolio and in what proportion.
Financial PlanningHow to Calculate Your FIRE Number in India
The 4% rule doesn't fully translate to India. Here's the India-specific 30x formula with three detailed examples and a quick-reference table.
Retirement PlanningHow Much Retirement Corpus Do You Actually Need?
Most people pick a round number that "sounds like a lot." Here is the actual calculation — with three real examples, healthcare costs, and the drawdown logic that determines whether your money lasts.
Investor Alerts
The 'Insurance + Investment' Plan That's Costing You Lakhs
Bank RMs earn 15–35% of your first-year ULIP premium. Here's what that means over 20 years — and the term + mutual fund comparison they'll never show you.
Investor EducationFee-Only Advisor vs Mutual Fund Distributor: What Every Indian Investor Must Know
Your "free" advice may be costing ₹8–10 lakh over 10 years. Learn the difference between fiduciary advice and suitability-standard distribution.
Financial Planning for Your 30s
The 7-Step Financial Plan for Salaried Indians in Their 30s
Your 30s arrive with competing demands — EMI, children, parents, a salary that doesn't feel like enough. Seven concrete steps, in the order they actually matter.
Financial PlanningHealth Insurance in India: How Much Cover Is Enough in 2026?
A ₹5 lakh policy felt generous a decade ago. Today one ICU admission can exceed it. How to size your cover, structure a base + super top-up, and what to look for when buying.
Choosing an Advisor
Insurance & Tax Planning
Term Insurance: How Much Cover Do You Actually Need in India?
The standard "10x salary" shortcut fails most people. A proper calculation includes income replacement, all outstanding loans, and children's education — with real examples.
Investor EducationSection 80C Is Not Financial Planning: The Trap Most Salaried Indians Fall Into
Filling your 80C every March is a tax reflex, not a financial plan. The instruments chosen in the last week of March are often the most expensive decisions people make all year.
Financial PlanningEmergency Fund in India: How Much Is Enough and Where to Keep It?
Most people who think they have an emergency fund have investments. The difference becomes clear at exactly the wrong moment — during a job loss, a medical bill, or a market correction.
InvestingAsset Allocation by Age: What % Should Indians Keep in Equity vs Debt?
EPF and PPF are already debt. Most Indians hold more debt than they realise. Here's how to think about your real equity-to-debt ratio across life stages — and why goals matter more than age.
Mutual Funds
Direct vs Regular Mutual Funds: The Hidden Cost of Convenience
The same fund. The same market. Two plans with a 0.5–1.5% annual return difference — and what that compounds to over 20 years.
Mutual FundsSIP Myths Busted: 7 Things Most Indians Get Wrong About Mutual Fund SIPs
From stopping SIPs in a crash to obsessing over the date — the seven most costly SIP misconceptions and what the data actually shows.
InvestingGold vs Mutual Funds vs Real Estate: Where Should Indians Really Invest?
Real return data across two decades. What each asset class is genuinely good for — and how to think about allocating sensibly across all three.
Investor Education
What Is a SEBI-Registered Investment Adviser (RIA) and Why It Matters for Your Money
Most people who get financial advice in India are talking to a distributor, not an adviser. Here's what the difference means — in plain language, with the numbers to back it up.
Investor AlertWhy 'Free' Financial Advice From Your Bank Branch Is the Most Expensive Advice You'll Get
No invoice, no visible charge — and still potentially the costliest financial guidance you'll act on. Here's the commission model behind bank advice and what it costs in rupees.
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