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For most people, the idea of being completely debt-free sounds ideal — no EMIs, no interest payments, no financial stress. It’s often seen as the ultimate sign of financial success. But in reality, not all debt is bad. Some forms of borrowing can actually help you grow wealth, achieve long-term goals, and improve your…

When you sell a long-term investment such as debt mutual funds, bonds, or real estate, you may have to pay tax on the profit earned. However, there’s a legitimate way to reduce this taxable amount — through indexation. This simple yet powerful concept can significantly cut your capital gains tax if used wisely. What…

Introduction Everyone dreams of earning money while they sleep — that’s what passive income is all about. But can mutual funds really help you achieve that? Let’s find out how mutual funds can generate steady income without constant market monitoring. 1. Understanding Passive Income 2. Dividend Payout Mutual Funds 3. Systematic Withdrawal Plan (SWP)…

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…