Blog
What the numbers said — fund returns and costs, foreign and domestic flows, index valuations, gold and silver — plus tax, retirement and personal-finance basics, written from the same data the rest of this site shows, with the date on every figure.
Nifty 50 returns over 1, 3, 5, 10 and 15 years
02 Oct 2026
The Nifty 50 returned 10.14% a year on price, about 11.5% with dividends, in the ten years to 30 September 2026. Every period, and why the last five stand out.
Investing StrategyMarket Recap
Nifty 50 year-by-year returns since 2008
02 Oct 2026
The Nifty 50 rose in 15 of the 18 calendar years from 2008 to 2025, but fell more than 10% inside 14 of them. Every year's return and its worst fall.
Market RecapInvesting Strategy
Anatomy of a market correction: 19 years of Nifty falls
02 Oct 2026
Ten Nifty 50 falls of 10% or more since 2007: how deep, how long, how fast they healed, and why the best days arrive in the middle of the worst.
Investing StrategyMarket Recap
NPS Auto Choice vs Active Choice: which to pick?
02 Oct 2026
NPS Auto Choice shifts you from equity to debt as you age; Active Choice lets you set the mix. How each glide path works, with a ₹10,000-a-month example.
Retirement
NPS returns by pension fund: Scheme E, C and G in 2026
02 Oct 2026
Ten NPS pension funds compared to 1 October 2026: Scheme E fell 6.2% in a year but returned 8.1% a year over five, ahead of the median Nifty 50 index fund.
RetirementFund Returns
How NRI taxation works on Indian investments
02 Oct 2026
Residency, NRE vs NRO, TDS on mutual fund redemptions, property sales and DTAA relief: how India taxes an NRI's investments in FY 2026-27, with fund data.
TaxInvesting Strategy
Old vs new tax regime: which saves more in FY 2026-27?
02 Oct 2026
The deductions you need before the old regime beats the new one, at seven salary levels for FY 2026-27, and why most salaried people now stay new.
TaxPersonal FinanceIs P2P lending safe? Returns vs risks explained
02 Oct 2026
P2P platforms advertise double-digit returns on unsecured loans. RBI's 2024 rules ban assured returns and early-exit promises. What the yield pays for.
Personal FinanceDebt & Hybrid Funds
PE, PB and ROE: three ratios that say if a price is fair
02 Oct 2026
How price-to-earnings, price-to-book and return on equity connect, with two companies compared side by side and the cases where each ratio misleads.
Investing Strategy
Pharma and healthcare funds: all 17 are up over the year
02 Oct 2026
All 17 pharma and healthcare funds with a one-year record gained in the year to 1 October 2026; the median made 17.50%. Best, worst, 3 and 5-year returns.
Fund ReturnsSectors
Selling property: how to reinvest and save tax
02 Oct 2026
The tax on a property sale for FY 2026-27, the 12.5% vs 20%-indexed choice, and the three reinvestment routes that shelter the gain: a house, bonds, or both.
TaxPersonal FinanceThe psychology of wealth: why behaviour beats maths
02 Oct 2026
The '80% behaviour, 20% maths' rule of thumb, tested against fund data: the falls you must sit through, the habits that help, and the ones that cost.
Investing StrategyPersonal FinanceReal estate vs mutual funds: comparing true returns
02 Oct 2026
A flat's headline price gain hides stamp duty, low rent, upkeep and selling costs. How to compare it fairly with a mutual fund, with worked numbers.
Investing StrategyPersonal FinanceRebalancing with new money instead of selling
02 Oct 2026
Equity ran ahead and your 70:30 mix is now 80:20. Fix it by redirecting SIPs and fresh cash, not by selling. A worked ₹10 lakh example with the tax avoided.
Investing StrategyTaxREITs: commercial real estate with small capital
02 Oct 2026
A REIT unit gives you a slice of rented office parks or malls for the price of one unit. How REITs work in India, what they pay and the risks.
Investing StrategyPersonal Finance
How much money do you need to retire comfortably?
02 Oct 2026
A retirement corpus starts from your spending, not a round crore. Worked example, the real return each fund category has earned, and what to subtract.
RetirementPersonal Finance
Healthcare costs in retirement: why one policy isn't enough
02 Oct 2026
Group cover ends when the job does, sub-limits and co-pays shrink a base policy, and premiums rise with age. How retirees layer health cover and reserves.
RetirementPersonal Finance
Retirement planning for couples: two timelines, one plan
02 Oct 2026
Couples retire on different dates and feel risk differently. How to set one household allocation, use both names well and plan for the survivor.
RetirementInvesting Strategy
Rule of 72: how long it takes to double your money
02 Oct 2026
Divide 72 by the annual return to get the years your money takes to double. How accurate the rule is, the rules of 114 and 144, and where it misleads.
Investing StrategyPersonal FinanceSCSS vs mutual funds for retirement income
02 Oct 2026
SCSS pays a fixed 8.2% every quarter; debt and arbitrage funds returned 6.5–7.4% a year with less tax friction. How a retiree can use both for cash flow.
RetirementDebt & Hybrid Funds