Articles & guides
What we would tell a friend, written down. Real numbers with their sources, updated when the numbers change, and a straight answer in the first paragraph so you do not have to scroll for it.
How to Build an Investment Portfolio in India
Build a portfolio from goals, time horizon, emergency needs and risk capacity. Choose asset allocation first; select products only after each rupee ha…
26 Sep 2026 · 2 min read
Asset Allocation by Age: 20s, 30s, 40s and 50s
Age is only a starting point. Goal horizon, job stability, liabilities, dependants, pension assets and ability to withstand loss matter more than a “1…
26 Sep 2026 · 2 min read
Emergency Fund vs Investment: What Comes First?
Build a basic emergency buffer before aggressive investing. The reserve protects your goals from forced selling; investments pursue future growth and …
26 Sep 2026 · 2 min read
Stock Market for Beginners in India: A Safe Starting Guide
India’s stock market lets investors own listed businesses through regulated exchanges. Begin with goals, diversification and process—not tips, leverag…
26 Sep 2026 · 2 min read
Demat Account Explained: Meaning, Charges and Safety
A demat account holds securities electronically. It is opened with a SEBI-registered depository participant linked to NSDL or CDSL; a separate trading…
26 Sep 2026 · 2 min read
PE Ratio Explained With Examples for Indian Investors
The price-to-earnings ratio equals market price per share divided by earnings per share. It shows how much the market pays for each rupee of current.
26 Sep 2026 · 2 min read
Fundamental Analysis for Beginners: India Checklist
Fundamental analysis estimates business quality and value from the company, industry, financial statements, governance and price. It reduces guesswork…
26 Sep 2026 · 2 min read
STCG vs LTCG on Stocks and Mutual Funds: India Tax Guide
For listed equity shares, equity-oriented mutual funds and business-trust units subject to STT, short-term gains are generally taxed at 20% and qualif…
26 Sep 2026 · 2 min read
ELSS vs PPF vs NPS: Tax, Lock-in and Suitability
ELSS is market-linked equity, PPF is a government small-savings account, and NPS is a retirement system with regulated asset choices. The best fit dep…
26 Sep 2026 · 2 min read