The stock markets have been bleeding. And the fall in stock prices is also reflected in the fall in NAVs of mutual funds and the value of most investors’ mutual fund portfolios. To be fair, we have now seen a…
Read More My mutual funds are falling. I am Worried. What should I do now… (April 2026)?
One thing the markets hate more than negative news, is… Uncertainty. As long as the negative news is known and measurable, the uncertainty around it declines and the markets can 'price it in'. And more importantly, the market can then…
There have been No Changes in the small savings scheme for the quarter of April-June 2026. PPF interest rates - No Change (remains at 7.10%) - Possible reason - I wrote this a while back. May still be applicable -…
Read More PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Apr-Jun 2026
If the markets have delivered little to nothing over the past two years or so, the first instinct for most investors (and specifically new ones) is to worry, and wonder if something is broken in the markets. But that is…
Read More No-Return, Flat Markets Are Not a Warning. It’s an Invitation.
This is the PPF Interest Rate Chart or the PPF Heat Map for interest rates of PPF accounts in the last 23+ years and updated till June 2026:
The markets have been brutal lately. And if you have been investing in Indian markets, you are probably already feeling it. But is the brutal phase over? No one knows. And with the sharp decline in the recent weeks, and…
Read More Stay Calm. And Remember God in Good Times & Equities in Bad Times.
Retirement has rightly been called the Nastiest Problem in Finance. There are so many variables at play and the fact that you get just one shot at retirement, it is incredibly critical to get it right. Or else, I am…
Recently, SEBI issued a comprehensive circular on 26th February 2026 (link), making several big changes to the mutual fund categorisation framework. There is actually a lot in that circular, but I wanted to focus on one thing specifically – which…
Unless you belong to the ultra-rich category, having health insurance is a must here in India. And more so if you are nearing retirement. The reason is that the chances of developing medical issues increase with age, and hence, you…
Earlier, if you bought Sovereign Gold Bonds (in primary issue or from the secondary market) and held them till maturity (which is 8 years), then all the capital gains at maturity were 100% tax-free. But Budget 2026 has changed this…
While silver’s bull case (till 1-2 years back) was built on the combination of factors like rising industrial use, supply deficit, undervaluation vs gold, growing geopolitical instability and possibility of precious metals regaining the lost respect vs paper/fiat currency (debasement…
While each of the more than 10 equity fund categories offered by SEBI have their use cases, not all of them are required by most investors. Given that each category has 15-30 individual schemes to pick from, this confusion gets…
Read More Which Equity Fund Categories Do You Really Need? – Economic Times Wealth (19-Jan-2026)
I was recently quoted in The Times of India in an article titled "At 8.2%, How does SCSS compare with Bank FDs, RBI Bonds, Mutual Funds?" Here is the link to the online version of the article - Link And…
This will be a very short post. Here is a list of Nifty50 returns during the last 14 years. 2012: +27.7% 2013: +6.8% 2014: +31.4% 2015: - 4.1% 2016: +3.0% 2017: +28.6% 2018: +3.2% 2019: +12.0% 2020: +14.9% 2021: +24.1%…
Read More Nifty Give +10.5% in 2025: 10th Consecutive Positive Year!
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of January-June 2026? The current or latest interest rate (2026) on RBI Floating Rate Bonds is 8.05% per annum. This is for…
Read More What is Interest Rate on RBI Floating Rate Bonds (January – June 2026)?
