How to move a lump sum into equity mutual funds without the fear of bad timing — using an STP.
One PDF, every fund, every folio — here's how to read your CAS and why you should check it every month.
The one number that shows how much pain a fund actually protects you from when markets fall.
One CAGR number can lie to you. Here's why rolling returns give a far more honest picture of how a fund actually behaves.
Alpha tells you if your fund manager is actually adding value or just riding the market. Here's how to read it without getting fooled.
The mutual fund category built for your emergency money and idle cash — how it works, what it earns, and where it beats a savings account.
Bonds, bills, and interest income explained simply — how debt funds work, their real risks, and where they fit next to your FDs and equity.
How funds that mix equity and debt actually work — and why the 'balanced advantage' label doesn't mean risk-free.
ELSS explained simply — the only equity mutual fund that also saves you tax under Section 80C, and how its 3-year lock-in actually works in your favour.
Growth or IDCW? Understand how the two options actually work, why IDCW isn't 'extra' money, and which one fits your goal.
Direct plans have a lower expense ratio, but 'lower cost' and 'better outcome' aren't always the same thing. Here's the honest comparison.
Your folio number is your permanent mutual fund account ID — here's what it does, where to find it, and why one folio can hold many investments.
No jargon, no assumptions — a plain-English walkthrough of what a mutual fund actually is and how your money moves through one.
CAGR explained with a real formula, a worked example, and why it hides more than it shows about your actual mutual fund ride.
SIP explained from first principles — where your money goes, how units are allotted, and why the date and amount you pick matter less than you think.
The one number in your mutual fund's fact sheet that quietly eats your returns every single year — here's how to check if yours is fair.
The honest maths — and why the smart answer for a big corpus is neither.
₹76 lakh to ₹1.5 crore — the real numbers and why the last 5 years matter most.
The crash is when your SIP earns its keep — the maths of rupee-cost averaging.
Why CAGR flatters a SIP and XIRR tells the truth — with a worked example.
Not a fixed number — a rate. The honest framework by income and goal.
A 5-step, jargon-free framework — and the beginner traps to avoid.
Where index wins, where active still earns its fee — and the core-and-satellite answer.
Returns, safety, tax — and why "safe" isn't as safe as it feels.
Equity vs debt, LTCG vs STCG, and legal ways to pay less.
A pension you create yourself — the withdrawal rate, the tax edge over FDs, and the bucket structure.
Why business + property + gold isn't diversification — and the four-layer structure that is.
Your real FIRE number at Indian inflation — and why savings rate beats salary.
Coming soon
Coming soon
New guides published every week. Have a question? Ask in the comments on any article — Bhrugu replies personally.