Blogs

When you run your own show professionally, no one hands you a retirement plan with your appointment letter. There’s no EPF pension plan, no employer contribution, and definitely no built-in exit strategy. You’re the one designing every piece of the puzzle, including how your post-work life gets funded.  Despite that reality, most self-employed professionals in […]

Imagine your child getting into their dream university, but you realize too late that you’re underfunded by, say, ₹30 lakhs?  In India, the cost of education doesn’t just grow; it compounds. Education inflation has been clocking in at 8–10% annually, still far outpacing average salary increments. According to the recent NSSO data, families already spend […]

Ever wondered why two bonds with the same maturity are offering different returns? You might have come across the term ‘credit spread’ if you ever planned to dip your toes into fixed-income investments. If it sounded complex to you, we are here to break it down – credit spreads are, in fact, easy to understand […]

In a country like India, where familial bonds have traditionally provided a safety net for the elderly, the concept of pension planning was never one to be given much thought. However, with changing social dynamics, increasing life expectancy, and rising healthcare costs, securing a stable income post-retirement has become more important than ever.  Today, in […]

For decades, a huge chunk of the middle class lived by one simple formula: get a degree, find a job, work hard, climb the corporate ladder gradually, retire at 65, and then finally enjoy life. But the youngsters today see their lives a little differently.   The 10-to-7 stress, job dissatisfaction, never-ending deadlines, and a relentless […]

Trade wars don’t whisper—they roar, with ruffled markets, shaken currencies, and erratic behavior in investors. Markets recoil, currencies swing, and investor sentiment wavers. On April 2, 2025, U.S. President Mr. Trump reignited global trade tensions with sweeping tariffs aimed at correcting longstanding imbalances. In response to this move, asset classes, from equities to currencies, have […]

Investing is like buying a new car. There’s always a benefit trade-off between choosing stability and liquidity, just like choosing between a car’s speed and mileage.   Fixed deposits (FDs) and bonds offer you stability but lock up your money. Stocks on the other hand provide liquidity but bring in volatility. Convertible debentures? They can change […]

Gold is glittering again, and how! In recent weeks, gold prices have been smashing records, with the yellow metal breaching new highs both globally and in India. As of early April 2025, gold prices have soared to record highs, crossing ₹98,240 to ₹98,340 per 10 grams in India (24K gold) and between $3,331 to $3,360 […]

Something unusual happened before the April’25 RBI meeting—India’s 10-year government bond yields dipped to a three-year low. For investors watching the bond market, this was more than just a blip—it could signal changing winds in the economy.   The benchmark 10-year G-sec yield dropped below 6.5% for the first time in 3-years, catching the attention of […]