ArticleInvesting Basics
Asset allocation and rebalancing, without the jargon
How you divide money between equity, debt and other assets shapes your results more than any single fund. How to set a mix — and keep it.
4 min read
Academy · Articles
Articles & explainers
Long reads that take an idea apart, and short explainers that fit in a coffee break. Filter by topic or browse by tag.
21 pieces
ArticleRetirement
Using an SWP for retirement income
A systematic withdrawal plan turns a corpus into regular income. How it works, how withdrawal rates and sequence risk shape it, and how it compares.
5 min read
ArticleRetirement
Your retirement number: how to estimate it
Retirement planning starts with one figure: the corpus your expenses may need. How to estimate it step by step, and which assumptions move it most.
4 min read
ArticleInsurance
Health insurance basics: waiting periods, co-pay and sub-limits
Most health insurance surprises come from a few clauses. What waiting periods, co-payments, sub-limits and room-rent caps mean in practice.
5 min read
ArticleInsurance
How much term cover is enough? Three methods, compared
Term insurance replaces the income your family would lose. Three common ways to size the cover, with one family’s numbers worked through.
4 min read
ArticleBonds
Credit ratings explained: what AAA does and doesn’t tell you
A credit rating is an opinion on the likelihood of timely repayment. It is useful, standardised and fallible. Here is how to read one.
4 min read
ArticleBonds
Why bond prices fall when interest rates rise
Bond prices and interest rates move like a seesaw. Duration tells you how far it tips — and why long bonds move more than short ones.
4 min read
ArticleBonds
Bonds 101: coupon, price and yield
A bond’s coupon is fixed; its price and yield are not. Understanding how the three relate is the foundation of fixed-income investing.
4 min read
ArticleFixed Deposits
Bank FDs vs corporate deposits: where the risk sits
Corporate and NBFC deposits often pay more than bank FDs. The extra return is payment for risk — here is how to see that risk clearly.
4 min read
ArticleFixed Deposits
Cumulative vs non-cumulative FDs: same rate, different outcomes
A cumulative FD reinvests interest; a non-cumulative FD pays it out. The rate can be identical, yet maturity values, cash flows and uses differ.
4 min read
ArticleFixed Deposits
FD laddering: regular access to cash without guessing rates
Splitting one large deposit into several with staggered maturities gives you regular access to cash and spreads the risk of renewing at the wrong time.
4 min read
ArticleMutual Funds
How to read a mutual fund factsheet
A factsheet packs a fund’s objective, costs, holdings and risk into a few pages. Here is what each section means and what to look for.
5 min read