Mukul Kansal

When you invest in mutual funds, you expect returns — but the real gain comes only after understanding how taxes apply. With recent changes in India’s capital gains tax structure, it’s essential to know how your mutual fund earnings will be taxed in 2025. Let’s break it down simply. What Are Capital Gains in…

Most of us feel safe keeping our money in a savings account. It’s accessible, low risk, and offers a sense of security. But what many people don’t realize is that parking too much cash there can quietly erode your wealth over time. Let’s break down why. 1. Low Returns Can’t Beat Inflation Savings accounts…

Introduction Diversification is one of the golden rules of investing — it helps reduce risk by spreading your money across different assets. But like all good things, too much of it can backfire. Overdiversification, or holding too many investments, can actually hurt your returns instead of protecting them. What Is Overdiversification? Overdiversification happens when…

When picking a mutual fund, most investors focus on returns, risk, and expense ratio. But one factor often overlooked is fund size, or Assets Under Management (AUM) — the total value of all investments managed by a fund. Fund size can significantly influence performance, both positively and negatively. Why Fund Size Matters Is Bigger…

With hundreds of mutual funds in the market, choosing the right one can be tricky. Here’s a simple guide to help you analyse a mutual fund before investing. 1. Define Your Goal Start by identifying your investment goal and time horizon. Your goal determines which fund category fits best. 2. Check Fund Performance Look…

Market downturns often trigger panic among investors. Seeing your portfolio in the red can be unsettling, and many start wondering if they should pause or stop their SIPs until markets recover. But is that really the right move? Let’s find out. Understanding SIPs and Market Cycles A Systematic Investment Plan (SIP) helps you invest…

In today’s interconnected world, what happens in one corner of the globe can affect markets everywhere — including India. Global events often influence investor sentiment, market performance, and ultimately, mutual fund returns. Let’s understand how. 1. Global Economic Slowdowns When major economies like the U.S. or China experience a slowdown, global demand weakens. This…

Systematic Investment Plans (SIPs) are one of the most popular and disciplined ways to invest in mutual funds. They help investors build wealth gradually by investing a fixed amount at regular intervals. However, many investors worry about how market volatility impacts their SIP returns. Let’s understand this in detail. 1. What Is Market Volatility?…

When it comes to investing in mutual funds, a Systematic Investment Plan (SIP) is one of the most disciplined and effective ways to grow your wealth. It allows you to invest a fixed amount regularly—monthly or quarterly—rather than committing a large sum at once. Over time, this simple habit can lead to significant financial…

When it comes to investing, one golden rule stands out — never put all your eggs in one basket. This simple idea forms the foundation of portfolio diversification, a strategy every investor should understand and apply. What Is Portfolio Diversification? Portfolio diversification means spreading your investments across different types of assets, sectors, and instruments…