Direct Answer: Real wealth is built through small, repeatable financial habits practiced consistently over years, not through a single big win. Paying yourself first, tracking spending, starting SIPs early, keeping an emergency fund, raising your savings rate with every increment, diversifying across asset classes, and reviewing your plan annually are the seven habits that compound […]
Direct Answer: Inflation quietly reduces what your money can buy, even if your bank balance keeps growing. India’s retail inflation rose from around 2.74% in January 2026 to 4.38% in June 2026, per Ministry of Statistics and RBI data. If your savings earn less than the inflation rate, your real, inflation-adjusted wealth is shrinking even
Every year, thousands of Indian investors lose money to entities that had no legal right to accept their deposit in the first place. RBI’s own Sachet portal names exactly six categories of entities permitted to take public deposits — everyone else is, in RBI’s words, “not legally permissible.” Here is what each category can offer,
⚡ Direct Answer — What is SWP in Mutual Funds? A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed monthly amount from your mutual fund while the remaining corpus stays invested and earns market returns. Only the gain component of each withdrawal is taxed — not the principal — making SWP significantly more tax-efficient
Direct Answer: Only about 11.2% of SIP accounts in India stay active beyond five years, industry data shows. Direct (DIY) investors discontinue far more often than advisor-guided investors because they tend to chase recent returns and panic-stop when performance cools, while advisor-guided investors get risk profiling and behavioural coaching that keeps them invested through market
Direct Answer: GIFT City lets Indian residents invest in global index funds like the S&P 500 and Nasdaq 100 through India’s IFSCA-regulated International Financial Services Centre — a separate LRS-based route that stays open even while SEBI has capped/frozen new inflows into domestic mutual funds’ overseas fund-of-funds schemes. Key Facts at a Glance: Regulator: IFSCA
📋 Direct Answer For most Indian families, Mutual Funds + Term Insurance is a better strategy than ULIP for long-term wealth creation. Mutual Funds (regulated by SEBI) offer lower costs, greater transparency, and more flexibility. ULIPs (regulated by IRDAI) serve a specific purpose but carry multiple charge layers that reduce your effective returns. The right
Direct Answer: For most Indian families, buying a pure term insurance policy and investing separately in mutual funds delivers better family protection and more efficient wealth creation than a ULIP. Term insurance provides maximum cover at the lowest cost; mutual funds provide low-cost, SEBI-regulated, flexible investment. This approach is called the “Buy Term + Invest
How to Start SIP Planning – Which Equity Fund Suits Your Goal? | DeepakWealth SIP Planning Guide 2026 How to Start SIP Planning – Choose the Right Equity Fund for Your Goal A step-by-step SIP planning guide with real 10-year returns data (June 2016 – May 2026) and an interactive fund selector based on your
Quick answer: Most professionals need term cover equal to 10–15 times their annual income, adjusted for outstanding loans, dependents, and existing investments. Use the HLV or DIME method below to get your exact number — a flat “₹1 crore for everyone” figure is rarely correct. Key Facts India’s life insurance protection gap is among the
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
