Mutual Fund Behaviour Gap: Why Investors Earn Less
Investors often earn less than the funds they own. See India and global data, a worked SIP example, and a 6-step plan for the next 20% market fall in India.
Mutual Fund Redemption: How It Works, Cut-Off Time, Exit Load & Tax Explained
A complete guide to mutual fund redemption in India how NAV is applied, the 3 PM cut-off rule, exit load, capital gains tax, ELSS lock-in, and when you should actually redeem versus hold.
Mutual Fund Consistency vs Returns: How to Actually Evaluate a Fund Before Investing
A practical guide to evaluating mutual funds beyond one-year and three-year return rankings covering rolling returns, drawdown risk, risk-adjusted metrics, portfolio concentration and style drift, with a framework SJS Finserve uses to review client portfolios.
Can You Have Two SIPs in the Same Mutual Fund? Does Splitting Investments Improve Returns?
A data-backed look at whether splitting your monthly SIP across two dates in the same mutual fund actually improves returns, or whether it just adds unnecessary complexity to your portfolio without changing your long-term wealth outcome.
Sovereign Gold Bond vs Gold ETF vs Gold ETF FoF 2026: Full Guide
Compare Sovereign Gold Bonds, Gold ETFs and Gold ETF FoFs on liquidity, cost, taxation and horizon. Find which gold investment route fits your goals.
India’s SIP AUM Growth Story: What 5 Years of Data Tell Investors
A five-year breakdown of India’s SIP boom contributions, AUM share, and investor holding patterns and what it actually means for your portfolio.
Gold Allocation in Portfolio: How Much Gold Should You Hold? (2026 Guide)
A practical guide to deciding your ideal gold allocation covering gold vs equity returns, risk-based allocation ranges (5% to 50%), and how to rebalance your portfolio for long-term growth and protection.
Small-Ticket SIPs Decline by 1.4 Million in FY26 as Larger SIPs Continue to Grow
An analysis of SEBI’s FY26 SIP data showing a decline in small-ticket (₹1,000 or less) SIP accounts even as larger SIP categories continued to grow. The article explores what’s driving the divergence, why return expectations shape investor behaviour, and why staying invested matters more than the size of the SIP.
How Much Emergency Fund Do You Need? A Practical Guide to Building Your Financial Safety Net
Wondering how much money you should keep aside for a financial emergency? This guide breaks down exactly how to calculate your ideal emergency fund using a simple formula, walks through a real salary example, and explains how to build your safety net one month at a time without disrupting your long-term investments.
How to Evaluate a Mutual Fund Before Investing: A Beginner Friendly Checklist
A step-by-step checklist to help beginners evaluate mutual funds before investing covering fund category, past performance, risk, expense ratio, portfolio, and tax rules so you choose funds that actually fit your financial goals instead of chasing last year’s top performer.