Before you choose a portfolio, work out your risk profile first. This means checking three things: how much loss you can afford (capacity), how much loss you can handle emotionally (appetite), and how much return you need for your goal (need). SEBI’s Riskometer then helps you match funds to your comfort level. Key Facts SEBI
Your SIP return differs from the fund’s advertised return because they measure different things. The advertised number usually assumes one lump sum invested on a single day. A SIP invests a little every month at a different price. So each instalment stays invested for a different time. Key Facts A fund’s advertised return is usually
Keep your employer’s group cover, but do not depend on it alone. Group cover ends when you leave the job. A standalone plan stays with you. So buy your own base plan early, and use the group cover as extra protection. Key Facts Group cover usually ends when your job ends. A standalone plan continues
A nominee is the person who receives your investments first after you passed away. A legal heir is the person the law says owns them. These can be different people. So every investor needs both: a clear nominee on each account, and a simple legal heir plan, such as a Will. Key Facts A nominee
Petrol prices in Chennai have moved from about ₹64 a litre in 2016 to over ₹107 a litre in 2026. That is inflation in action — prices for everyday things going up over time. The same rise eats into your savings. A Systematic Investment Plan, or SIP, where you invest a fixed amount every month,
If you cannot fully fund both goals, prioritise retirement first. No one lends you money to retire, but education loans, scholarships, and part-time work can help bridge a college funding gap. Protect your EPF, NPS, and retirement SIPs first. Then direct whatever surplus remains into a dedicated child education fund. Key Facts PPF pays 7.1%
The 4% rule was built for US retirees on US market data. It assumes a 50–75% equity portfolio and roughly 3% inflation. India’s inflation and market cycles differ. Recent Indian research suggests a starting rate of 2.7% to 4.2% instead, depending on your tax bracket and equity mix. Key Facts The original 4% rule came
Direct Answer: From October 15, 2026, NPCI will apply a 0.4% Merchant Discount Rate (MDR) on UPI payments made to merchants (P2M) above ₹2,000, capped at ₹300 per transaction. This charge is borne by the merchant, not the customer — NPCI has explicitly stated consumers will continue to pay only the posted price, and UPI
Direct Answer: Very few benefits in India are exclusively for women. Sukanya Samriddhi Yojana (girl child, 8.2% p.a.) is genuinely women-specific. Home loan, car loan and stamp duty concessions are real but lender- or state-specific, not universal. There is no separate income tax slab for women, and Stand-Up India’s original terms ended 31 March 2025.
A mutual fund is truly underperforming when it trails its benchmark and category average across several rolling periods, not just one bad year. It often charges a similar or higher fee too. One weak year alone is not proof — look for a pattern before you decide to exit. Key Facts SEBI’s mutual fund categorisation
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.
