Mutual Fund Nominee vs Legal Heir in India: Who Actually Inherits Your Investments?
A nominee receives your mutual fund units after your death, but that does not make them the owner. Your Will and succession law decide who inherits. This guide explains the difference, the 2026 SEBI nomination and claim rules, and how to keep your nominations and Will aligned.
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.
Mutual Fund Risks Explained: A Practical Guide to Understanding and Managing Investment Risk
A practical breakdown of the real risks behind mutual fund investing market, credit, liquidity, interest rate, inflation and behavioural and how disciplined portfolio construction helps manage them, from the research-based advisory team at SJS Finserve.
Term Insurance vs Endowment Plan: Which One Actually Protects Your Family Better?
Term insurance offers higher life cover at lower cost, while endowment plans combine insurance with savings but at a higher premium. Here’s how to decide which one actually fits your financial goals.
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.