Your FD Is Losing Money, Politely
7% interest, 31.2% tax, 6% inflation: a guaranteed −1.12% a year. The statement grows while the money shrinks…
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Tag: India
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NPS Annuity Fine Print: The 40% of Your Retirement You Must Hand Over
Mandatory annuity at 6.5%, fully taxable, frozen for life. Watch ₹1 crore become a ₹5,119 pension in today's…
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EPS: The Pension That Time Forgot — Frozen at ₹15,000 Since 2014
The pensionable-salary ceiling hasn't moved in a decade. Maximum lifetime pension: ₹7,500. Compute yours, then plan the rescue.
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The ETF That Didn’t Fall (Until You Sold): Price vs NAV Games
Nifty fell 2%, your ETF showed −0.5%. That gap wasn't protection — it was the price of selling…
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Debt Funds’ Peaceful NAV Lie: Valuation Games That Cost Retail
Model-priced bonds, delayed write-downs, side-pockets timed after big exits. Franklin's ₹30,000 crore lesson, decoded for savers.
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Credit Card Minimum Due: A 28-Year Contract You Never Signed
5% minimum, 42% interest, GST on the interest. ₹1 lakh takes 28 years and ₹4.7 lakh to clear.…
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Flat vs Reducing Rate: The 8% Car Loan That’s Actually 14%
Dealers quote interest on money you've already repaid. One question — and one calculator — collapses the trick.
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F&O Trading: The Casino With a 93% House Edge
SEBI counted: 93% of retail F&O traders lose, ₹2 lakh each on average. See what those two lakhs…
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You Asked for an FD. The Bank Sold You a 15-Year Insurance Policy.
Up to 65% first-year commission explains every 'special FD' at the branch. The maths of the trap, and…
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IDCW Explained: The ‘Dividend’ They Paid You With Your Own Money
The NAV drops by exactly what they 'pay' you. SEBI renamed the product to confess it. The illusion…