Articles
Guides on investing, insurance, credit, loans and everyday money. Each one shows its working and says what to double-check.
How much do you need to retire? A worked example with Indian inflation
Today's ₹50,000 a month will not feel like ₹50,000 in 25 years. Here is how to size your retirement corpus and the monthly SIP that gets you there.
Emergency fund: how much to keep, and where to keep it
The unglamorous pot of money that stops one bad month from turning into a loan. A practical way to size it, build it and park it.
How to check an investment adviser before you trust them with money
Advisers, distributors, research analysts and social media 'gurus' are different things. A few minutes of checking can save you years of regret.
Index funds or active funds? What the evidence says for Indian investors
Why most active fund managers struggle to beat their benchmark over long periods, where they sometimes do, and a practical way to combine both.
Health insurance: the terms that decide whether your claim gets paid
Sum insured, room rent caps, waiting periods, co-pay and super top-ups. How to read a policy before you need it.
Your credit score, explained: what moves it and how to fix a bad one
A plain walk through what lenders see in your credit report, the habits that matter most, and a six-month plan to recover a low score.
Mutual funds for beginners: the ideas you need before your first SIP
NAV, expense ratio, direct versus regular, SIP versus lump sum. A starter guide that explains what the words mean and what to do with them.
How much home loan can you really afford?
What the bank will lend and what you can comfortably repay are two different numbers. Here is how to find yours, and whether to prepay or invest.
The 50-30-20 rule, adjusted for Indian salaries
A simple split for your take-home pay, and what to change when rent, EMIs and money sent home don't fit neatly into it.
Term insurance: how much cover, which plan, and what voids a claim
A term plan is the cheapest way to protect people who depend on your income. Getting the amount and the paperwork right matters more than the brand.
Debt avalanche or snowball: which clears your loans faster?
Two well-known ways to pay off several debts at once, tested on a realistic Indian example with a credit card, a personal loan and a bike loan.
Gold as an investment: bonds, ETFs, digital gold and jewellery compared
Gold earns nothing on its own, yet it is in almost every Indian portfolio. How much to hold, and which form makes sense.
NPS explained: what it is, who it suits, and the trade-offs
A low-cost, market-linked pension account with tax perks and strings attached. How it works and how it compares with EPF, PPF and mutual funds.
Asset allocation: how to split your money between equity, debt and gold
The decision that shapes your returns and your sleep more than any single fund. A way to choose a mix, and when to adjust it.
How to calculate your net worth (and why to track it)
One number that tells you more about your finances than your salary does. How to work it out in an hour and keep it honest.
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