• First Home Down Payment SIP Calculator: ₹42 Lakh in 10 Years
    Ankush wants to buy a home in 10 years for his family in Bangalore. He is targeting luxurious 2BHK apartments in areas like Whitefield or the ORR belt. For affording a home in these localities, he is assuming a target total cost of ₹2 crore. He needs a down payment of ₹40 lakh, in today’s value. He needs to estimate his goal amount in the future. The Housing Price Index (HPI) data...
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  • IDCW vs SWP: The Tax-Smarter Way to Draw Income from Mutual Funds
    Many Indian investors who are approaching retirement or who have built a sizable corpus look for options to get a regular income from their investments. They are aware of the Dividend option, also known as IDCW (Income Distribution cum Capital Withdrawal), and was previously marketed in India as the income-generation route from mutual funds, as opposed to the other Growth option that did not...
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  • The Overnight Fund Advantage: Better Returns, Same-Day Access
    A corporate investor with ₹100 crore parked in a current account earns ₹0, while the same amount invested in an overnight mutual fund earns ₹16.43 lakh. This difference adds up every time the investor leaves their company’s ₹100 crore idle in a bank account, in between transactions. Yet moving that money feels like more work. This perception is a real problem. And there is a certain lack...
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  • The Step-Up SIP Roadmap: How to Reach a ₹14 Crore Retirement Goal
    Think you need to invest more than ₹1 lakh every month to build ₹10 crore by retirement? That may not be needed. Tarun is a 30-year-old living in Bangalore, and is aiming for a stress-free retirement with his wife. He currently earns ₹1.8 lakh a month. At 4% inflation, his current lifestyle would cost him ~₹5.83 lakh a month, after 30 years. That equals a corpus of ~₹14 crore in today's...
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