PMVVY’s Locked 7.4% Rate Is Gone — What Retirees Are Left With Instead
PMVVY closed to new buyers in March 2023. SCSS absorbed the gap, but with a floating rate instead…
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Category: India
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The Sovereign Gold Bond Scheme Was Quietly Discontinued — Here’s What That Means If You’re Holding One
No new SGB tranche since February 2024, and exiting early is far more restrictive than the tax-free-gold pitch…
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Your “Guaranteed” EPF Has Rs 2.34 Lakh Crore Sitting in the Stock Market
The government confirmed it in Parliament: a real slice of your provident fund is in equity ETFs, with…
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Rs 25,215 Crore in “Safe” Debt Funds, Frozen Overnight
The DHFL default and Franklin Templeton's 2020 wind-up show debt funds are not automatically safe just because they're…
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That Confident Fund Recommendation on Your Feed Was Probably Paid For
SEBI cracked down on undisclosed finfluencer deals in 2024. The incentive that created the problem hasn't gone anywhere.
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The 1% Exit Load That’s Really Designed to Keep You From Ever Leaving
Exit loads and ELSS lock-ins protect the AMC's assets under management first. What to check before committing money…
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The Defence Fund That Raised Rs 1,676 Crore — After the Stocks Already Ran 177%
New Fund Offers launch when a theme is already hot, not before. The Motilal Oswal Defence Fund is…
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Your SIP Has Been on Autopilot for 8 Years. That’s Not Discipline, That’s Neglect
AMFI's own data shows SIP stoppage ratios spiking past 100%. The far bigger, invisible problem: SIPs nobody ever…
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Direct vs Regular Mutual Funds: The Same Fund Can Cost You Rs 18 Lakh Extra
Identical portfolio, identical fund manager -- a commission baked into the Regular plan can quietly cost lakhs over…
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Rs 21,718 Crore in Unclaimed Insurance Money — Because Families Didn’t Know a Policy Existed
A high claim settlement ratio means nothing if your family never finds out the policy exists. What actually…