The 30X rule says your retirement corpus (your total retirement savings) equals 30 times your yearly expenses. But add inflation (the yearly rise in prices) first. For example, a family spending ₹1.2 lakh a month now needs about ₹10.35 crore at age 55. This assumes 15 years to retire and 6% inflation. It is an
Direct and regular plans of a scheme hold the same portfolio. A direct plan costs less because it pays no distributor commission. The gap is often 0.5% to 1.5% a year. Pick direct if you can choose funds and stay calm on your own. Pick regular if you want a person to guide you. Key
Quick answer: Rebalancing means moving your money back to your planned mix of equity and debt. Check your portfolio once or twice a year. Act when any asset class drifts 5 percentage points away from its target. You can rebalance by selling the part that grew, or by directing new monthly investments to the part
Quick answer: A financial plan is a written roadmap for your money. It lists your goals, their costs, their dates and the monthly amount you need. Buying mutual funds is only one step inside that roadmap. Funds alone cannot tell you what you are saving for, how much to save, or by when. Key Facts
Quick answer: PPF and EPF suit long-term saving, but they lock your money. Debt funds fill the gaps. They have no fixed lock-in, accept any amount, and suit goals 1 to 5 years away. Their returns are not guaranteed. Their gains are taxed at your slab rate, which is the tax rate on your income.
Short answer: There is no single right mix. Start with your goal’s time horizon. Keep goals under 2–3 years in debt. Use more equity for long goals. The 100-minus-age rule is a simple start: at age 30, it gives about 70% equity. Then adjust for your risk comfort and review once a year. Key Facts
Short answer: Yes, but only partly. Target maturity and gilt index funds let you follow a bond index at low cost. They suit goals with a fixed end date. India has few passive options for corporate bond or short-term needs. So many investors mix passive and active debt funds. Key Facts Passive debt funds follow
Short answer: Use a simple rule before every big money decision. For a car, pay 20% down, repay within 4 years, and keep all car costs near 10% of income. Keep total loan EMIs near 35–40% of take-home pay. Pay credit cards in full. Spread your investments. Start retirement saving early. Key Facts The 20/4/10
Last updated: 17 October 2026 Quick answer: Before you save or invest, run seven checks. Compare Sukanya Samriddhi Yojana (8.2%) for a girl child. For a boy, ask about Ponmagan Podhuvaippu Nidhi or PPF (7.1%). Understand NPS tax rules. Read FD penalty terms. Compare insurance claims, not just premium. Check credit card charges. Verify SEBI
Quick answer: Use a credit card wisely by spending only what you can repay. Pay the full bill before the due date every month. Then you earn cashback and reward points without paying interest. If you pay only the minimum amount due, interest starts, and you may lose the interest-free period. Check reward value, redemption
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.
