TDS on mutual fund redemptions for NRIs, explained
Why fund houses deduct tax when NRIs redeem mutual funds, what the rates are for equity and debt funds, and how to get back any TDS that is more than the tax you actually owe in India.
Capital gains tax on mutual funds, explained simply
How are mutual fund gains taxed when you sell? A plain guide to the rates for equity and debt funds, the ₹1.25 lakh exemption, SIP holding periods and switches, with rupee examples.
Should retirees still hold equity?
Should you keep any equity once you retire? Here's how inflation, a simple three-bucket approach and your own needs decide how much belongs in your portfolio, and when the answer is very little.
Index funds or actively managed funds?
Should you pick an index fund or an actively managed fund? Here is what costs and the long-term record show, where each one makes sense, and why a mix often works best.
Keeping business money and family money apart
Should a business owner keep business and family money separate? Here's why mixing them puts family goals at risk, and a simple three-bucket way to keep them apart.
Emergency fund: how much, and where to keep it
How big should your emergency fund be, and where should it sit? A simple way to work out your number, the sensible places to keep it, and the honest exceptions.
NRIs returning to India: what to do with your investments
Moving back to India for good? Here is what happens to your NRE and NRO accounts and mutual funds, how the RNOR years work, and the steps to take in the right order.
Old or new tax regime: how to decide each year
Should you pick the old or new tax regime this year? A simple way to compare both, with a rupee example, the break-even level of deductions, and the cases where the old regime still wins.
SIP or lumpsum: what to do with a bonus or windfall
Got a bonus, inheritance or sale proceeds? Here is a simple way to decide between investing it at once or spreading it out, and why giving each rupee a job comes first.
Liquid fund or FD for your business surplus?
Your current account pays nothing, yet many businesses leave lakhs sitting in it for months. Here's how to choose between a liquid fund and an FD for business cash, and a simple way to organise it.