Sukanya Samriddhi Yojana (SSY): Is It Enough for Your Daughter’s Future?

When it comes to planning for a daughter’s future, few investment products are as popular as the Sukanya Samriddhi Yojana (SSY). Ask any parent about SSY and you’ll probably hear

Public Provident Fund (PPF): The Complete 15-Year Journey Explained

PPF. Three letters almost every Indian has heard at some point from a parent, friend, colleague, or banker. Most people know the basics. It is safe. It helps save tax.

Why Investors Often Choose Comfortable Advice Over Correct Advice?

A few years ago, during a market correction, an investor called me to discuss his portfolio. Before speaking with me, he had already spoken to his brother, a colleague, two

The Emergency Fund Myth: How Much Is Really Enough?

Most of us have heard the advice at some point: “Keep 3 to 6 months of expenses as an emergency fund.” It’s one of the most commonly repeated rules in

What Should You Do When Your Mutual Fund Underperforms?

One of the most common questions investors ask is: “My mutual fund has underperformed over the last year. Should I exit and moveto a better-performing fund?” The natural tendency is

The Strait That Shakes India: Hormuz

The Strait of Hormuz i s one of the most critical chokepoints in the global energy supply chain. This narrow sea passage, located between Iran and Oman,  connects the Persian

Finding the Right Fit for Your Retirement

When i t comes to retirement planning, the real challenge isn’t finding the “best” option—it’s understanding which option works best for you. For most investors, retirement choices tend to revolve

Why Your Long-Term Stock Portfolio is Giving Low Returns

In my earlier interactions with investors, I have often observed one common belief among self-managed or DIY investors. Many of them proudly say that they are long-term investors and therefore

Markets Are Falling. What Should You Do Now?

If you have been following the markets recently, you would have noticed a clear shift in sentiment. Prices have corrected, news flow has turned cautious, and conversations have moved from

Can Life Cycle fund replace my Financial Advisor?

In the world of investing, simplicity is often seen as a virtue. Over the last few years, Lifecycle Funds have gained popularity globally as an easy and automated investment solution