Consider that you start investing ₹5,000 every month. A year later, your salary increases, but your SIP remains the same. Over time, your income grows, your expenses change, and your financial goals get bigger. Yet, your monthly investment continues at ₹5,000, and you do not increase it to the fullest potential of your revised salary. […]

A lot of investors are unhappy right now. Not because the market crashed, but because it has not moved. Say you started a ₹10,000 monthly SIP in the broad market (the Nifty 500) in October 2024. Two years later, you have put in ₹2.4 lakh, and it is worth a little less than that. Two

A few months ago, I was speaking to an investor who had been with me for several years. He came to our meeting with a list on his phone. “SIF.” “GIFT City.” “US ETFs.” “International funds.” “US Stocks.” He had watched several videos, read a few articles, and followed some financial creators online. By the

A Long-Term Goal Needs More Than an Equity Investment One of the most common conversations I have with investors goes something like this: “I have a long-term goal, so I’m investing in equity mutual funds. That should be enough, right?” My answer is mostly “Not necessarily!” Equity can be a very important part of a

During my interactions with young professionals in their first year of work, I have started to see an interesting shift in how many of them think about mutual funds. In one such meeting, curiously, I asked Aryan why he chose a direct mutual fund. The answer was quick and straightforward: “Why should I pay a