Topic
mutual funds
4 guides on mutual funds.
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
Mutual fund expense ratio — the silent compounder eating your returns
0.5% direct vs 1.5% regular MF expense ratio over 30 years compounds to a 30-40% smaller corpus. Switch to direct plans — the easiest +1% return upgrade.
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