Topic
investing
6 guides on investing.
Finance
Compound interest in India — the 8th wonder, explained
₹10,000/mo invested for 30 years at 12% becomes ₹3.5 crore — vs ₹36 lakh actually invested. The math, time-not-timing rule, and what Indians get wrong.
3 min read
Finance
PPF vs FD vs RD — where should Indians park their savings?
PPF: 7.1% tax-free, 15-year lock-in. FD: 6.5-7.5% taxable, flexible tenure. RD: same rate as FD but monthly contributions. Which one wins for which goal?
2 min read
Finance
SIP vs lump sum — which is better for ₹50 lakh? (real math)
SIP vs lump sum for ₹50L: lump sum today vs ₹83,333/mo SIP for 5 yrs — over 20 yrs lump sum wins by ~₹95L on average. SIP wins in volatile markets.
5 min read
Finance
What is a step-up SIP and why does it nearly double your wealth?
Step-up SIP raises monthly investment by a fixed % yearly. ₹10,000/mo for 20 yrs at 12% gives ₹1 Cr; with 10% step-up, the same plan returns ~₹2 Cr.
5 min read
Finance
Choosing a demat account in India — Zerodha, Groww, or full-service?
Discount brokers (Zerodha, Groww, Upstox) charge ₹0-300 AMC. Full-service (ICICI Direct, HDFC) charge ₹500-750 but include 3-in-1 banking. Pick by use case.
2 min read
Finance
Small savings (PPF, SSY, NSC, KVP) vs mutual funds — what fits where
PPF, Sukanya Samriddhi, NSC, KVP, SCSS, Post Office MIS — guaranteed-return schemes vs mutual funds. A goal-based framework for choosing where to invest.
3 min read