Financial Planning
Goals, an emergency fund, the right insurance and an asset allocation you can hold through a bad year.
In this section
Retirement Planning
Working out the corpus you need, using EPF, PPF and NPS well, and drawing it down without running out.
Wealth Building
Compounding, asset allocation, tax-aware investing and the behaviour that decides most outcomes.
Estate Planning
Wills, nominations, joint holdings and succession — so what you leave behind reaches the people you meant it for.
How we approach it
Emergency fund first, then term life and health cover, then debt, then investing. Most portfolios we review fail not on fund selection but on the first three: no buffer, no cover, and expensive debt running alongside equity investments.
What we do not do #
We do not sell insurance or mutual funds and we take no commission on any product we mention. The advice is paid for by you, which is the only way it can be independent.
What you will need
- Household income and fixed monthly expenses
- Existing loans with rates and outstanding balances
- Insurance policies with sums assured
- Investment statements across all accounts
- Nominee details for every account and policy
Latest on Personal Finance
Financial Planning
Fixed or floating: which home loan rate actually costs less
A fixed rate buys certainty at a price that is rarely quoted. Over twenty years that premium usually costs more…
Estate Planning
How much term cover you actually need
The ten-times-income rule is a starting point that ignores your loans, your children's ages and the fact that your spouse…
Financial Planning
A financial plan that fits on one page
Most plans fail because they are too complicated to follow. Six decisions, in order, cover almost everything that matters.
Latest articles
Financial Planning
Fixed or floating: which home loan rate actually costs less
A fixed rate buys certainty at a price that is rarely quoted. Over twenty years that premium usually costs more…
Estate Planning
How much term cover you actually need
The ten-times-income rule is a starting point that ignores your loans, your children's ages and the fact that your spouse…
Financial Planning
A financial plan that fits on one page
Most plans fail because they are too complicated to follow. Six decisions, in order, cover almost everything that matters.
Estate Planning
A nominee is not an heir — why your will still matters
Filling in a nomination form feels like estate planning. It is not. A nominee receives the asset; who is entitled…
Retirement Planning
NPS or mutual funds: where should retirement money actually sit?
One has a lower cost and a tax deduction. The other has no lock-in and no annuity requirement. For most…
Wealth Building
Renting or buying: the arithmetic nobody does before signing
The comparison is not EMI against rent. It is total cost of ownership against rent plus what the down payment…
Wealth Building
The emergency fund and SIP plan that survives a bad year
Most investment plans fail in the first downturn because there was no cash buffer behind them. Build the buffer first,…
Retirement Planning
How big a retirement corpus do you actually need?
Inflation, not returns, is what decides the number.