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70 ArticlesPersonal Finance

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Capitalmind Plan: Creating Your Personalized Financial Plan

Capitalmind Wealth (our Wealth Management Service) uses our own financial planning software to help plan out long term goals and the strategy to get there. ...
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Your Emergency Fund – Make Hay While the Sun Shines, But When It Doesn’t….

Life looks funny in hindsight. Our younger self in that life looks hilarious, all worried and anxious about how a bad situation would ever be overcome! ...
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Mutual Funds: Money Market Funds Receive the Most in February! AUM for Equity MFs Fall For a Second Straight Month

Periodically, AMFI releases a wonderful package of data concerning Mutual Funds. This includes AUM data, net inflows and outflows each month, Commissions data ...

Sensex Five Year Returns Below 5%, Mutual Funds Did Slightly Better, But Barely Beat Inflation. Time For A Change?

What if you had invested in the Sensex, every month, with the same amount, over the last five years? (Called a Systematic Investment Plan or SIP) Answer: Less ...

Why You Shouldn't Buy ULIPs: After We Confuse You, We Underperform Everything

I don’t generally write about ULIPs but once in a while it’s useful to see how bad these products have been. We wrote a long post about HDFC Crest ...

NPS Versus Good Old Long Term Equity Investing – Even Without a Tax-Saving Tag, Equity Rocks

It’s tax saving season, so it’s apt to ask: Should you buy into the New Pension Scheme (NPS) for which the government has given you a phenomenal ...

Long Term Returns for Going "Direct" Can Give You Many Lakhs More

Last week, we wrote about how investing in Direct Plans vs Regular Plans could give an investor up to 0.7% extra returns annually. The differential is because ...

Equity Mutual Funds Outperform Nifty; AUM Increases Over 60% In 15 Months

Following up on our earlier posts on Mutual Funds (Read “Why AMFI Should Not Ban Upfront Commissions” and “Mutual Funds Hike Exit Loads, Hoping This Time ...

Why AMFI Should Not Ban Upfront Commissions

I am all for regulation. As in, I do not think a world without regulation, in the financial space, is worthwhile. But not all regulation is good, and the ...

Mutual Funds Hike Exit Loads, Hoping This Time Investors Will Stay

In a strange move, Mutual Funds are increasing exit load time frames. This is usually a desperate situation by MFs to retain investors, or they are just using ...