48 articles & counting

Learn investing.
Grow confidently.

Plain-language guides, real numbers, zero jargon. Whether you're putting in your first ₹100 or scaling to ₹1 lakh/month.

48
Articles
6
Topics
2.4L+
Monthly Readers
Trending now
1📈 SIP vs FD: 10-year comparison with real data 2💲 ELSS: Save ₹46,800 in tax this year 3⚡ Why increase your SIP by 10% every year 4🎯 Expense Ratio: the silent wealth killer
🤑
Beginner
What is a Mutual Fund? The simplest explanation.
A big pot of money where people pool in together, and a professional invests it on their behalf.
R
Ritu Sharma
5 min
📈
SIP Strategy
SIP vs Lumpsum: Which wins after 10 years?
We ran the numbers across 20 years of Nifty data. The answer surprises most people during market crashes.
A
Arjun Mehta
8 min
🎯
Tax Saving
ELSS Funds: Save ₹46,800 in tax with one investment
Section 80C deductions are the easiest personal finance win. ELSS makes it better — your money grows too.
P
Priya Nair
6 min
⚡
Market Insights
Why market crashes are good for your SIP
When markets fall 30%, your SIP buys more units. Rupee cost averaging is your silent compounding weapon.
K
Kiran Patel
7 min
🔮
Advanced
Expense Ratio: The silent killer of long-term wealth
A 1.5% fee on a 12% return sounds tiny. Over 30 years it eats 26% of your final corpus. Here's how to fight it.
S
Siddharth Roy
10 min
💰
Beginner
Start a SIP with ₹100 — step-by-step guide
Download, KYC in 60 seconds, pick a fund. Your first SIP is live in under 3 minutes. No paperwork.
M
Meera Joshi
4 min
🔍
SIP Strategy
Step-Up SIP: Increase 10%/year, multiply wealth by 2x
Start at ₹1,000 and raise 10% every year. In 20 years the difference vs flat SIP is ₹28 lakh+.
V
Vikram Das
6 min
📋
Tax Saving
LTCG vs STCG: When should you redeem?
Hold 12+ months = 10% tax. Sell before = 15%. On ₹5 lakh that difference is ₹25,000 in your pocket.
N
Neha Gupta
7 min
🏦
Advanced
Portfolio rebalancing: Keep asset allocation on track
Your 60/40 equity-debt split drifts as markets move. Rebalancing annually keeps you in full control.
A
Ankit Singh
11 min

Quick Concepts

Key terms every investor should know

NAV
Net Asset Value — the price of one unit of a mutual fund. Calculated daily at market close.
AUM
Assets Under Management — total money managed. Focus on consistency, not just size.
Expense Ratio
Annual fee as % of investment. Lower = more wealth with you. Direct plans save 0.5–1% per year.
CAGR
Compounded Annual Growth Rate — the honest way to measure investment performance over time.
ELSS
Equity Linked Savings Scheme — tax-saving fund with 3-year lock-in. Best 80C option for most.
SWP
Systematic Withdrawal Plan — a monthly withdrawal from your corpus. Retirement income, automated.
Benchmark
Index a fund is measured against (e.g. Nifty 50). Your fund should beat its benchmark consistently.
Alpha
Extra return above the benchmark. Positive alpha means the fund manager adds genuine value.

💌 Weekly insight — free.

Every Sunday: one concept, one chart, one action. Under 3 minutes. Join 40,000+ readers.

Har Ghar Mutual Fund
Get App — Free