Shoaib Zaman

Shoaib Zaman is a financial journalist and investment specialist with nearly two decades of experience covering mutual funds, stocks, and personal finance. He has worked with leading publications such as Mutual Fund Insight, Wealth Insight, Outlook M...

Most Indians who think they are building wealth are, in fact, merely surviving it.

Are you really planning your wealth or just managing expenses?

by Shoaib Zaman |May 14, 2026

Budgeting may help manage day-to-day finances, but experts argue it is not the same as building wealth. The distinction, they say, lies in long-term planning, disciplined investing, and preparing for ...

SIP vs PPF: The mechanics of allocation are more nuanced than simple rules

SIP vs PPF: Why the real decision lies in allocation, not choice

by Shoaib Zaman |Apr 28, 2026

Advisors across wealth firms say equity SIPs and PPF address different investment objectives, making asset allocation the key decision driver,

The 10-year G-sec yield rose to 7.05% on April 6 from 6.66% in late February, driven by higher crude prices, a widening trade deficit, and FPI outflows.

Debt funds enter accrual zone: Where to invest as yields stay elevated

by Shoaib Zaman |Apr 16, 2026

As the 10-year yield climbs past 7%, fund managers favour corporate bond, short-term and Banking & PSU categories for steady accrual amid elevated global risks.

UPI fraud is surging. Here’s how fintechs and regulators are fighting back

by Shoaib Zaman |Mar 28, 2026

Fraud on UPI platforms is driven by social engineering tactics such as refund scams and AI-enabled impersonation.

First investment decisions rarely go to plan, but the failures tend to teach more than the successes.

Start Early, Stay Invested: Women Leaders on the Power of Compounding

by Shoaib Zaman |Mar 7, 2026

Six women from India's financial and entrepreneurial world share what they have learned about investing, independence and staying the course

AI is improving how revenue is earned before it dramatically changes how much revenue is earned.

AI’s structural shift: From efficiency lever to outcome-driven growth engine

by Shoaib Zaman |Mar 5, 2026

Industry leaders say AI’s direct revenue share remains modest today, but its deeper integration into workflows, pricing models and talent structures could redefine IT services economics over the next ...

MAAFs are mandated to invest at least 10% each in three asset classes, typically equity, debt and gold. Balanced Advantage Funds actively shift allocations between equity and debt.

Balanced advantage and multi-asset funds gain traction as investors seek stability across cycles

by Shoaib Zaman |Feb 17, 2026

Category data from 2017–2025 indicates hybrid strategies delivered narrower return ranges than pure equity, reinforcing their role as core portfolio allocations.

Guaranteed return schemes, informal pooling of money, cash dealings, and quasi-lending activities are expressly prohibited.

Explainer: How SEBI Stock Broker Regulations 2026 may close gaps of the past

by Shoaib Zaman |Jan 14, 2026

Brokers are legally bound to seek best execution and map every trade to a unique client code. Practices once dismissed as service issues—delayed orders, discretionary trading without mandate, or price...