A mutual fund factsheet has ten things worth reading and one number — past returns — that tells you the least. Category, TRI benchmark, risk-o-meter, the new 2026 BER/TER split, portfolio, and exit load, in ten minutes.
Continue readingMonth: September 2026
Your First Salary: The Complete First-90-Days Money Checklist (India, 2026)
Your first payslip comes with no instruction manual. Here is the order of operations: paperwork, understanding your CTC, picking a tax regime, an emergency fund, insurance, a first SIP, a starter credit card, and filing your ITR on time.
Continue reading
You Just Got a Bonus. Here Is the Order to Spend It In (India, 2026)
A bonus is not a discipline problem, it is a sequencing problem. Tax you may still owe, then high-rate debt, then the emergency fund, then cover, then investing — and roughly a tenth spent guilt-free.
Continue reading
PPF vs EPF vs NPS (2026): Which One Actually Deserves Your Money?
PPF pays 7.1%, EPF pays 8.25%, NPS pays whatever the market gives you. But for most salaried Indians this is not a three-way choice at all — and the tax break every other article sells you is old-regime only.
Continue reading
Best Performing Mutual Funds of the Last 5 Years — and Why That List Will Not Help You Pick One (India, 2026)
Chasing the best performing mutual funds of the last five years is the most common beginner mistake in India. Here is what those lists really measure, what the SPIVA data shows, and how to choose a fund instead.
Continue reading
How to Transfer Money From One Debit Card to Another in India (2026)
You cannot really move money card to card in India. Here is what actually works — UPI, IMPS, NEFT and RTGS — what each costs, and the one request that is always a scam.
Continue reading
Protected by Patchstack