Simple money lessons, sorted by topic
30 expert articles in plain English on SIPs, tax, insurance, retirement and loans, written for Indian families by a Tiruppur team you can call.
- 30articles
- 8topics
- 23 Oct 2026last updated
Just published
All 30 articles8 topics. One plain‑English library.
Start with the decision in front of you. Each topic collects every guide we have written on it.
- 01Start HereNew to money matters? Begin with the basics, then meet the person behind the advice.4 articles
- 02Mutual Funds & SIPChoosing funds, starting and stepping up a SIP, and how the rules protect you.9 articles
- 03Tax PlanningOld or new regime, 80C choices, and how each investment is taxed in 2026.6 articles
- 04InsuranceTerm cover, health cover for parents, and the policies worth avoiding.2 articles
- 05RetirementHow much you will need, and the accounts that get you there on time.2 articles
- 06Budgeting & SavingMonthly budgets, emergency funds, and money plans for business owners.3 articles
- 07Loans & CreditHome loans, your CIBIL score, and borrowing without regret.2 articles
- 08Gold & WealthGold ETFs, SGBs and digital gold, and portfolio management for larger portfolios.2 articles
Every article, by topic
Showing 30 articles
Start Here
New to money matters? Begin with the basics, then meet the person behind the advice.
4 articlesFind your risk profileSri Balaji, Your Financial Advisor: Credentials, Services and How to Verify Them
Meet Sri Balaji: NISM Certified Research Analyst, AMFI ARN-345155, IRDAI agent 1911251001, APMI APRN09158. What each credential means and how to verify it.
BasicsCompound Interest Explained Simply, With Real Rupee Examples
How compound interest works, with ₹1 lakh and SIP examples, the Rule of 72, FD compounding, the cost of starting late, and how it works against you on debt.
BasicsStock Market Basics for Beginners in India
Learn stock market basics for beginners in India — how stocks work, NSE vs BSE, how to buy shares, and avoid common mistakes. Start investing with confidence.
InvestingWhat is Mutual Fund? A Beginner's Guide for Indians
What is a mutual fund? Simple explanation for Indian beginners — how it works, types, NAV, SIP vs lump sum. Start investing in mutual funds today with ₹500.
Mutual Funds & SIP
Choosing funds, starting and stepping up a SIP, and how the rules protect you.
9 articlesTry the SIP calculatorNRI Investing in Indian Mutual Funds from the Gulf, Singapore or Malaysia (2026 Guide): NRE/NRO, KYC, TDS and Repatriation
How NRIs in the Gulf, Singapore or Malaysia can invest in Indian mutual funds in 2026: NRE vs NRO, KYC, FATCA, TDS rates, DTAA and repatriation rules.
InvestingStep-Up SIP: How a 10% Yearly Increase Can Double Your SIP Corpus
A 10% yearly step-up turns a ₹10,000 SIP into about ₹1.99 crore in 20 years vs ₹1 crore flat (assumed 12%). Tables, setup steps, limits and tax.
InvestingBest Mutual Fund Types for Beginners in India (2026 Guide)
Index, flexi-cap, balanced advantage or ELSS? How beginners should choose a first mutual fund in 2026: risk, horizon, costs, tax and the mistakes to avoid.
InvestingULIP vs Mutual Fund: Which is Better Investment in India 2026?
ULIP vs Mutual Fund — comparison of returns, charges, lock-in, and tax benefits. Find out why advisors recommend mutual funds over ULIPs.
InvestingSEBI Mutual Fund Rules 2026: BER, Life Cycle Funds and Other Key Changes
SEBI's 2026 mutual fund rules explained: Base Expense Ratio, lower brokerage caps, Life Cycle Funds replacing solution funds, the 50% thematic overlap cap.
InvestingBest Investment for Salaried Employees in India — Complete Guide
Best investment options for salaried person in India: SIP, ELSS, PPF, NPS, EPF and emergency fund planning with a practical monthly checklist.
InvestingMutual Fund vs Fixed Deposit — Which is Better in India?
Mutual fund vs fixed deposit: which is better for Indians in 2025? Compare returns, risk, tax, and liquidity. Decide based on your goals with real numbers.
InvestingSIP ₹500 Per Month: How to Start and Which Fund to Pick
Start a ₹500 monthly SIP in 5 steps, choose between an index, flexi-cap or balanced advantage fund, and see what ₹500 a month can grow to. Updated for 2026.
InvestingSIP vs Lump Sum — Which Investment Method is Better?
SIP vs lump sum investment — which gives better returns in India? Compare with real examples, market timing risk, and choose the right strategy for you.
Tax Planning
Old or new regime, 80C choices, and how each investment is taxed in 2026.
6 articlesCompare both tax regimesMutual Fund Taxation in India 2026: New LTCG & STCG Rules
A complete guide to mutual fund taxation rules in India for 2026. Learn about the new LTCG (12.5%) and STCG (20%) tax rates on equity, debt, and hybrid funds.
Tax PlanningNPS vs PPF vs ELSS: Which Tax-Saving Option Suits You in 2026?
NPS vs PPF vs ELSS compared on returns, lock-in, liquidity and tax, with the 7.1% PPF rate, new NPS exit rules and what each saves in the new and old regimes.
Tax PlanningNew vs Old Tax Regime: Which is Better for Salaried Employees in India 2026?
New vs old tax regime FY 2025-26: zero tax up to ₹12.75L salary in the new regime. Slabs, deductions, break-even and ₹8L–₹30L worked examples.
Tax PlanningIncome Tax Saving for Salaried Employees in India
Income tax saving for salaried employees: old vs new regime, 80C, ELSS, PPF, EPF, NPS, 80D health insurance, HRA and salary tax planning.
Tax PlanningELSS vs PPF: Which is Better for Tax Saving in India 2026?
ELSS vs PPF — which tax-saving investment is better for salaried employees in India? Compare returns, lock-in, risk and Section 80C tax benefits.
Tax PlanningNew Income Tax Act 2025: What Changes for Salaried Taxpayers From April 2026
The Income-tax Act, 2025 replaced the 1961 Act on 1 April 2026. What the new tax year, section numbers and Form 130 mean for you, and what stays the same.
Insurance
Term cover, health cover for parents, and the policies worth avoiding.
2 articlesWork out your coverLIC or Term Insurance: Which Is Better?
Term insurance gives ₹1 crore cover for under ₹1,000 a month at age 30; an LIC endowment costs 4–6x more for that cover. Compare premiums, returns and claims.
InsuranceHealth Insurance for Parents in India: How Much Cover Is Enough?
Health insurance for parents in India: how much cover to buy, waiting periods, senior citizen plans, 80D tax benefit and checklist for families.
Retirement
How much you will need, and the accounts that get you there on time.
2 articlesPlan your retirement number30 Year Retirement Plan India: How to Plan in Your 30s
30-year retirement plan for India: estimate your corpus, choose between SIP, NPS and PPF, and build a step-by-step plan that actually works in 2026.
Retirement PlanningPPF vs NPS: Which is Better for Retirement in India 2026?
PPF vs NPS — which is better for retirement savings in India? Compare returns, tax benefits, lock-in and withdrawal rules for salaried employees.
Budgeting & Saving
Monthly budgets, emergency funds, and money plans for business owners.
3 articlesBuild a monthly planMoney Plan for Tiruppur Garment & Knitwear Business Owners (2026): Cash-Flow, Tax and Investing with Seasonal Income
Cash-flow buffer, GST refund gaps, owner salary, insurance, NPS and SIP retirement and Section 44AD basics: a 2026 money plan for Tiruppur knitwear owners.
SavingsEmergency Fund in India: How Much You Need and Where to Keep It
How many months of expenses to save by household type, where to keep it (savings, sweep-in FD, liquid fund), a 3-tier setup and a month-by-month plan for 2026.
BudgetingThe 50-30-20 Budget Rule in India: How to Split Your Salary
Split take-home pay 50% needs, 30% wants, 20% savings, with ₹30k, ₹50k and ₹1 lakh examples, EMIs, metro rent and irregular business income covered.
Loans & Credit
Home loans, your CIBIL score, and borrowing without regret.
2 articlesCheck your EMIHow to Improve Your CIBIL Score Fast: 6 Steps That Work
Raise your CIBIL score: get free reports, dispute errors (₹100/day if not fixed in 30 days), pay on time, keep card use under 30%. Realistic timelines for 2026.
LoansHome Loan Tips for First-Time Buyers in India: 7 Ways to Save Lakhs
How much you can borrow, why 0.5% saves ₹3.8 lakh, when to prepay and which tax benefits apply in each regime: a 2026 home loan guide for first-time buyers.
Gold & Wealth
Gold ETFs, SGBs and digital gold, and portfolio management for larger portfolios.
2 articlesSee our PMS serviceGold ETF vs Physical Gold vs Digital Gold vs SGB: Which Should You Buy in 2026?
Physical gold, Gold ETF, gold mutual fund, digital gold or SGB — which is best this Dhanteras 2026? Compare costs, tax rules and returns before you buy.
WealthWhat is Portfolio Management Service (PMS) in India?
What is Portfolio Management Service (PMS) in India? Learn who it's for, minimum investment, returns, risks, and how it differs from mutual funds.
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