India’s strong preference for fixed income is more than a habit. It springs from deep structural forces that have shaped how households save, how banks operate, and how the government finances itself. The result: steady benefits for banks and the state, but an invisible loss of wealth for everyday savers once inflation, taxes and time … Read more
A bubbly stock market and the return of inflation have made the dream of retiring early more complicated. Markets that look expensive and rising prices that eat into spending power force anyone planning to stop work before the traditional retirement age to rethink assumptions they may have relied on for years. Why a frothy market … Read more
Equity mutual fund inflows eased in December 2025, dropping 6.21% to ₹28,054.06 crore. At the same time, the industry’s total assets under management (AUM) slipped to ₹79.98 lakh crore — a notable figure that highlights the scale of India’s mutual fund sector. What the numbers tell us A 6.21% decline in monthly equity inflows suggests … Read more
Quick and easy profile updates for subscribers Updating your subscriber profile is designed to be fast and straightforward. You can correct key details — such as your name, gender, nationality, date of joining and date of birth — directly online without the need to upload any supporting documents. What you can change Name — fix … Read more
Why wealth advisors usually avoid telling you to pause SIPs Systematic Investment Plans (SIPs) are designed around two simple principles: disciplined investing and rupee cost averaging. Over time, regular small investments benefit from compounding and smooth out the effect of market volatility. For these reasons, most wealth advisors are reluctant to advise pausing SIPs — … Read more
It’s becoming common: grown children — especially Millennials and Gen Z — look at their parents’ savings and retirement accounts and see an investment portfolio that could be doing a lot more. To younger generations raised on fintech tools and metrics, a bank account earning near-zero interest or scattered paperwork feels like inefficiency to be … Read more
Currency weakness is more than a line on the financial page. When a currency falls, the effects ripple through prices, corporate profits, interest rates and investor returns. Understanding who benefits, who loses and how to reposition a portfolio can help investors protect capital and spot opportunities. Why currency weakness matters A weaker currency changes the … Read more
Rupee Weakness and Global Inflation Are Raising the Real Cost of Studying Abroad For many Indian families, the dream of foreign education is getting more expensive. A weaker rupee combined with rising global inflation and higher living costs in host countries is pushing up the rupee value of tuition, housing, food and travel. As a … Read more
Many mutual fund investors don’t realize how selling a few units can trigger taxable events that depend not only on price movements but on which specific units are deemed sold. The First In, First Out (FIFO) rule is commonly used to decide that: units purchased earliest are treated as sold first. That simple principle determines … Read more
Why equity exposure shapes NPS returns Equity exposure is one of the most important levers that determines long-term returns for National Pension System (NPS) subscribers. Equities generally offer higher growth potential than fixed income or government securities, which can boost the value of retirement savings over decades. At the same time, equity allocations come with … Read more