Financial Planning Guides

Practical guides on SIP, PPF, taxes, and investments - written for Indian investors

No fluff, just actionable advice Based on actual calculations Updated with latest rules
LATEST & MOST IMPORTANT

New Labour Codes 2025
How Your Salary Structure, Take-Home Pay & EMI Will Change

India's biggest labour reform in decades will reduce your take-home pay by 10-15%, but increase PF, gratuity and social security benefits.

Labour Law Update, EMI Dec 2, 2025 15 min read
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MARKET ANALYSIS

3 Warning Signs Before Major Market Crashes
What Indian Investors Must Know

History doesn't repeat, but it rhymes. Three key indicators that preceded the 1929 Great Depression and 2000 Dotcom Crash are flashing red again—but this time, there's a twist.

📊 SIP, Stock Market Jan 16, 2026 12 min read
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JUST PUBLISHED

SIP vs PPF vs Real Estate
Where Should Your ₹10,000/Month Go?

Complete 20-year comparison with actual calculations: ₹10K/month in SIP creates ₹90.6L, PPF ₹51.9L, Real Estate ₹1.23Cr. See post-tax returns, hybrid strategies, and which option wins for YOUR age.

💰 Investment Comparison Mar 10, 2026 15 min read
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SIP Apr 5, 2026 • 9 min read

SIP in 2026‑27: Should Middle‑Class Households Keep Investing or Switch to Gold?

The Indian equity market has seen a 30‑% swing in the last 12 months, inflation is hovering near 7 %, and the new ₹5 L income‑tax rebate (FY 2026‑27) has altered cash‑flow calculations for a typical middle‑class family. In this environment many ask: Should I keep my systematic investment plan (SIP) running, pause it, or divert the money into gold? This article answers that question with data, real‑life scenarios, and a step‑by‑step action plan.

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Tax Apr 1, 2026 • 12 min read

2026‑27 Income‑Tax Changes: What They Mean for India's Middle Class

The Union Budget for FY 2026‑27 introduced a raft of Income‑Tax revisions – higher basic exemption, a boosted standard deduction, a new ₹5 Lakh rebate and revised surcharge thresholds. Below we unpack the numbers, walk through real‑life calculations and give you concrete steps to protect your household cash‑flow.

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