Money, explained in plain words.
Educational writing about money, in plain words. Free to read, no sign-up, nothing to buy.
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Clearing debt before you invest: how borrowing really works
What an EMI is made of, how a floating rate resets, what prepaying changes, and how to weigh a certain loan cost against an uncertain return.
Language: English -
Government and bank saving schemes: lock-ins, interest and tax explained
PPF, Sukanya Samriddhi, SCSS, NSC, KVP, post office deposits and bank FDs: who each is for, how the interest is set, the lock-in, and the tax.
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How investors behave: market falls, long term, and returns that mislead
What really happens in a market fall, what stopping an SIP does and does not do, how long long term is, and why past returns mislead.
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Mutual fund basics: how a fund actually works
What a mutual fund is, who runs it, where your money really goes, and what NAV, units, folios and scheme documents mean on your statement.
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Mutual fund terms, in plain words
What the words on mutual fund forms, statements and scheme documents mean, from AMC and NAV to SIP and XIRR, explained in plain English and arranged A to Z.
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Reading your statement: KYC, nominations, redemptions and transmission
What KYC on hold means and how to fix it, how to change your bank or address, how long a redemption takes, and what a family does after a death.
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Ten funds can still be one bet
Holding more funds is not the same as being diversified. Why overlap happens, how to spot it in what you already own, and what actually spreads a portfolio.
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What a mutual fund distributor does, what it does not do, and how it is paid
The work, the limits and the money: what a mutual fund distributor can do for you, what it is not registered to do, and who actually pays for it.
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What mutual funds cost: expense ratio, exit load and tax, in plain words
Every charge a mutual fund takes and every tax you pay on it: expense ratio, exit load, stamp duty, STT, direct and regular plans, and capital gains.
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Who protects your money: SEBI, AMFI and what to do when something goes wrong
What SEBI and AMFI actually do, what a registration does and does not mean, and the exact order in which to escalate a complaint until it is answered.
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Why a cheaper fund is not automatically a better one
The expense ratio is the easiest number to compare, so it gets compared most. Here is why I do not use it to screen funds, and what I look at instead.
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Why insurance is not an investment
What term life and health cover do, why protection comes before investing, and what a policy mixing cover with a maturity amount does to your money.
Language: English