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17 articles
When Markets Fall, What Should a Long-Term Investor Do?
What long-term investors can consider when markets fall — when to stay the course, when to review, and what to avoid.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Why Investors Keep Chasing Last Year's Best Performer
Why do investors move into funds, stocks or asset classes after strong performance? Explore performance chasing, recency bias and why yesterday's winner may not be the right investment for your portfolio.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Is More Diversification Always Better?
Owning more investments does not automatically mean better diversification. Learn how overlapping funds, concentrated exposure and portfolio complexity can undermine the benefits of diversification.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →When Interest Rates Change, What Actually Changes for Your Money?
Interest-rate changes affect borrowers, savers and investors differently. Understand how changes in rates can flow through loans, deposits, debt investments and household finances.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Gold Is Rising. Does That Mean You Should Own More Gold?
Gold has attracted attention after strong price performance. But does a rising gold price mean you should own more? Understand gold's role, risks and place in a broader portfolio.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Why a Bigger Salary Doesn't Always Create Financial Security
A higher income can improve your financial life, but it doesn't automatically create financial security. Understand lifestyle inflation, financial resilience, debt and the difference between income and wealth.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →The ₹1 Crore Question: Why the Number Alone Doesn't Tell You Much
₹1 crore sounds like a powerful financial goal, but the number alone tells you very little. Understand inflation, time horizon, goals, purchasing power and the income a corpus may need to provide.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Your Emergency Fund Is Not an Investment. That's Exactly Why You Need One
An emergency fund is designed for resilience, not maximum returns. Understand how much liquidity you may need, where to keep it and why investing your emergency money can create unnecessary risk.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Rebalancing: Should You Really Sell What Is Working?
Rebalancing can feel strange because it may involve trimming investments that have performed well. Understand why portfolios drift, when rebalancing can help and why it is not the same as market timing.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Should You Pay Off Your Loan Early or Keep Investing?
Should you prepay your loan or continue investing? Compare the cost of debt, liquidity, risk, taxes and financial goals before deciding what to do with surplus cash.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Why Your Investment Plan Can Be Wrong Even When Your Investments Are Good
Good investments can still produce a poor financial outcome when they don't match your goals, timeline, risk or cash-flow needs. Learn why portfolio suitability matters more than individual investment quality.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →What Does “Enough” Actually Mean With Money?
More money can create more choices, but the definition of enough is different for every household. Explore spending, goals, financial freedom, lifestyle inflation and the idea of enough.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →SIP vs Lump Sum: Is One Really Better?
SIP and lump-sum investing are often presented as competing strategies. Understand how cash-flow timing, market risk, behaviour, time horizon and goals can influence which approach may fit.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →The Retirement Number Nobody Talks About: Sequence of Returns Risk
A retirement portfolio can face a different risk after you stop working: the order in which returns occur. Understand sequence of returns risk, withdrawals, liquidity and why retirement planning needs more than a corpus target.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →The RBI Raised Rates. What Actually Changes for Your Loan?
The RBI raised the repo rate on 7 October 2026. Here is, in plain language, what that can change for your EMI, your deposits and your plan, and what it doesn’t.
Manander Singh · Reviewed by Manander Singh · 2026-10-12
Read →The Top 5 Small Cap Funds by 1-Year Returns: Stars of Yesterday or Tomorrow?
If you search for the best small-cap mutual funds, one of the easiest things to do is sort funds by their 1-year return. The highest return appears at the top. And that makes the decision feel simple. But there is a problem.
Manander Singh · Reviewed by Manander Singh · 2026-10-04
Read →Gifting Mutual Funds to a Child
Gifting investments to a child can be a meaningful way to build long-term wealth for the next generation. But gifting mutual fund units is not quite the same as simply transferring money from one bank account to another.
Manander Singh · Reviewed by Manander Singh · 2026-09-21
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