Investment

Once an emergency corpus is in place, the CA added, investing becomes a “peaceful, not stressful” process — because your defense is covered before you play offense.

Updated : Nov 17, 2025

‘Parachute & rocket’: Crucial difference that most Indians ignore about Emergency Fund vs Investment

Highlighting why mixing emergency savings with investments can derail one’s financial stability, a financial expert compared the two to “a parachute and a rocket” — equally powerful but meant for completely different purposes.

For investors aiming at a ₹1 crore retirement fund, this strategy may be the simplest way to close the gap — no extra capital, just smarter allocation.

Updated : Nov 16, 2025

The ₹10,000/month NPS plan that could quietly build ₹1 crore with one smart tweak

The formula is simple: allocate more to equity in your early years to harness compounding, and gradually shift to bonds as retirement approaches to manage risk. “As your age goes up, your equity should come down — not your returns,” said a wealth advisor.

His message reinforces that wealth creation is less about chasing market highs and more about discipline, stable asset allocation, and patience.

Updated : Nov 15, 2025

Smart money moves: CA shows how disciplined investing built a ₹1.48 crore portfolio in 4 years

Kaushik’s story underscores a growing truth for Indian earners: wealth isn't just earned — it must be strategically managed to truly secure the future.

At its core, FIRE is about building a self-sustaining financial engine so powerful that your investments—not your job—pay for your existence.

Updated : Nov 15, 2025

With Rs 85,000 monthly SIPs, strong early investments, should I restructure my portfolio? Can FIRE be part of my plan?

A 28-year-old healthcare professional, already investing aggressively through SIPs and long-term instruments, has built a solid early portfolio worth over Rs 50 lakh. With rising income and disciplined habits, he now wants clarity on whether his current asset allocation is optimal for long-term growth and tax efficiency. He also wonders if pursuing the FIRE lifestyle is realistic at this stage of his financial journey.

Many families provide and spend generously for their children but often skip crucial conversations about how the money is earned.

Updated : Nov 14, 2025

Children's day: How 20× term cover and 15–20 year guaranteed plans can secure your kid’s financial journey

Investing for a child’s future—especially long-term goals like higher education—is a top priority for many parents. Yet rising education costs can make planning feel overwhelming. Experts say the key is to start early with protection, follow a structured long-term investment plan, and raise children who understand the value of money.

A structured, uncomplicated, multi-asset plan not only delivers higher long-term returns but dramatically lowers anxiety, volatility and emotional decision-making.

Updated : Nov 13, 2025

Gold, silver, stocks or cash? Why a multi-asset strategy is the smartest move right now

With gold, silver and equities all rallying sharply, investors are scrambling to decide where to park their money. But experts warn that picking a single “winner” is a trap — and the real edge lies in multi-asset diversification. Market experts are unanimous: diversification — not concentration — is the key to navigating this turbulence.

Introduced in 2015, the Sovereign Gold Bond Scheme offers a digital, government-backed alternative to holding physical gold.

Updated : Nov 13, 2025

Sovereign Gold Bond 2017–18 Series-VII matures with 321% return; can you still buy these govt gold bonds?

The 2017–18 Series-VII, issued on November 13, 2017, completed its eight-year maturity on November 13, 2025, delivering a staggering 321% return over the tenure—excluding the additional 2.5% annual interest paid to bondholders throughout the period.

Historical charts show three major gold bull cycles: the 1970s (end of gold standard), early 2000s (central bank sales), and post-2008 crisis.

Updated : Nov 13, 2025

Is gold heading for $5,000 in early 2026? Rising prices spark talk of a massive bull run ahead

Gold prices are climbing rapidly, reigniting global speculation about a fresh multi-year bull run. With momentum building, analysts are asking the big question: could gold touch $5,000 sooner than expected?

Inheritance gets complex when assets or heirs are abroad; though it remains tax-free, FEMA exchange-control rules are key.

Updated : Nov 13, 2025

Is gold inheritance tax free in India? How FEMA rules shape cross-border inheritance, transfers

India scrapped its wealth tax in 2015 and abolished inheritance and gift taxes long before that. As a result, assets passed down through generations—whether real estate, jewellery, or financial investments—can be received tax-free.

“Gold ETFs remain one of the safest and easiest ways to get exposure,” he said.

Updated : Nov 13, 2025

'A subpar way to get exposure to gold': Nithin Kamath warns digital buyers face 6% loss, no safety

The bigger concern: digital gold isn’t backed by SEBI or any recognized authority. While gold ETFs and sovereign bonds come with a web of custodians, trustees, and disclosure norms, digital gold relies on private contracts between the buyer and seller.

Receiving inherited gold isn’t taxable. While the transfer itself is exempted, capital gains tax arises only when you sell it.

Updated : Nov 12, 2025

How to legally claim, transport, and sell inherited gold bars from a parent’s bank locker

If a parent passes away leaving gold in a bank locker, heirs often struggle with proof of ownership and how to move or sell the asset. Here’s a practical, step-by-step guide to legally claim the gold, transport it across states, and understand the tax rules when selling.

Financial planners recommend allocating 10–15% of portfolios to gold through ETFs, sovereign gold bonds (SGBs), or physical bullion.

Updated : Nov 12, 2025

Gold prices hold firm above $4,100 as dollar weakens, safe-haven demand stays strong; what lies ahead

After rallying to $4,368 in October — its highest in months — gold saw a mild pullback to below $4,000 by the end of the month, partly due to a 1.4% rise in the US dollar. Despite this correction, analysts at Emkay believe the long-term trend remains upward, supported by persistent central bank purchases and robust institutional interest.

The mutual fund industry recorded a strong October, with total AUM rising 5.63% month-on-month to Rs 79.87 lakh crore. T

Updated : Nov 12, 2025

MF Industry AUM nears Rs 80 lk cr in Oct; Passive & Flexi-Cap funds continue to attract

Between September and October 2025, AUM of passive funds increased to Rs 13.67 lakh crore from Rs 12.99 lakh crore.

Digital gold’s biggest risk is that it’s unregulated — without SEBI oversight, investors have no guaranteed safety, insurance, or independent verification of the gold claimed to be held for them.

Updated : Nov 11, 2025

Sebi warning: Why investing in digital gold is risky? Should you hold or exit digital gold investments?

The Securities and Exchange Board of India (SEBI) has sounded an alarm on digital gold, cautioning investors about its lack of regulatory oversight. With fintechs and online wallets promoting it as a modern alternative to physical gold, SEBI’s warning exposes the hidden risks behind the glitter. Here’s what investors need to know about the dangers, regulatory gap, and safer alternatives.

Beyond growth and protection, ULIPs also offer liquidity after five years, tax advantages, and goal-based investing flexibility.

Updated : Nov 11, 2025

As a mid-career investor, is a ULIP the right tool to balance long-term growth and financial safety?

Balancing growth and security is one of the toughest challenges for mid-career professionals. With rising market volatility and growing family responsibilities, financial choices demand precision. That’s where ULIPs step in -- combining investment growth with life protection.

Every major copper rally in history began with a supply crunch and ended in record prices.

Updated : Nov 10, 2025

This asset works 24×7 while gold sleeps: An analyst says it’s about to surge

China’s decision to cut solar subsidies added fuel to the fire. Companies rushed to install solar panels before the new rules, spiking copper demand for wiring and grid connections.

Wealth is built through management and consistency, not merely income, he said.

Updated : Nov 9, 2025

‘It’s unconscious spending’: CA explains why middle-class Indians lose track of money

The financial expert argued that the problem isn’t the size of one’s paycheck, but the lack of a system. “You can earn ₹80,000 or ₹2 lakh a month. Without a proper money plan, it vanishes faster than you realise,” he said.

The Rule of 72 assumes returns are compounded and reinvested, not earned as simple interest.

Updated : Nov 8, 2025

Rule of 72 explained: This simple math formula that separates savers from investors; here's how

Compounding is the quiet force that turns steady saving into exponential wealth creation. The Rule of 72 makes this concept simple — a mental shortcut to estimate how fast money doubles. It’s the difference between merely saving and truly investing for long-term growth.

Digital gold refers to purchasing gold online, where your investment is supported by an equal amount of physical gold held in regulated, secure vaults.

Updated : Nov 8, 2025

SEBI cautions public against Digital Gold investments offered by unregulated platforms

SEBI stated that it has come to the regulator’s notice that certain online platforms are offering “Digital Gold” or “E-Gold” products to investors. The regulator clarified that these products do not fall under the securities market framework and therefore operate completely outside SEBI’s purview.

Nearly 44% of job skills in use today will change within five years, making continuous learning indispensable for career growth.

Updated : Nov 8, 2025

The real ROI of learning: Why experts say 10% of your income should go into upskilling

As automation and AI redefine job roles, professionals can no longer rely on static skill sets. Experts say upskilling is now as vital as savings or insurance — a recurring investment in career security. And while the cost of learning can vary, industry leaders suggest treating it as a planned, lifelong expense — not an optional spend.

Surveys reveal that over 70% of urban savers feel anxious spending their own money, even after meeting goals.

Updated : Nov 8, 2025

Beyond the 15x15x15 rule: Why compounding joy matters as much as compounding money

For decades, investors have been told that discipline and sacrifice are the keys to wealth. But what if constant saving comes at the cost of living itself? A new perspective urges savers to balance financial goals with the pursuit of everyday happiness.

Investment

‘Parachute & rocket’: Crucial difference that most Indians ignore about Emergency Fund vs Investment

The ₹10,000/month NPS plan that could quietly build ₹1 crore with one smart tweak

Smart money moves: CA shows how disciplined investing built a ₹1.48 crore portfolio in 4 years

With Rs 85,000 monthly SIPs, strong early investments, should I restructure my portfolio? Can FIRE be part of my plan?

Children's day: How 20× term cover and 15–20 year guaranteed plans can secure your kid’s financial journey

Gold, silver, stocks or cash? Why a multi-asset strategy is the smartest move right now

Sovereign Gold Bond 2017–18 Series-VII matures with 321% return; can you still buy these govt gold bonds?

Is gold heading for $5,000 in early 2026? Rising prices spark talk of a massive bull run ahead

Is gold inheritance tax free in India? How FEMA rules shape cross-border inheritance, transfers

'A subpar way to get exposure to gold': Nithin Kamath warns digital buyers face 6% loss, no safety

How to legally claim, transport, and sell inherited gold bars from a parent’s bank locker

Gold prices hold firm above $4,100 as dollar weakens, safe-haven demand stays strong; what lies ahead

MF Industry AUM nears Rs 80 lk cr in Oct; Passive & Flexi-Cap funds continue to attract

Sebi warning: Why investing in digital gold is risky? Should you hold or exit digital gold investments?

As a mid-career investor, is a ULIP the right tool to balance long-term growth and financial safety?

This asset works 24×7 while gold sleeps: An analyst says it’s about to surge

‘It’s unconscious spending’: CA explains why middle-class Indians lose track of money

Rule of 72 explained: This simple math formula that separates savers from investors; here's how

SEBI cautions public against Digital Gold investments offered by unregulated platforms

The real ROI of learning: Why experts say 10% of your income should go into upskilling

Beyond the 15x15x15 rule: Why compounding joy matters as much as compounding money

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