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.
Articles
Tag: Personal Finance
Articles
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.…
Articles
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.
Articles
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…
Articles
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…
Articles
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…
Articles
NFO Mis-Selling: Why There’s Always a New Fund at the Top of the Market
New funds charge more, pay distributors more, and launch when charts look best. 27% of NFO money is…
Articles
Regular vs Direct Mutual Funds: The 1% Salary You Pay a Stranger, Forever
One form filled in 2016 still earns him a raise every year. See the ₹12.5 lakh the trail…
Articles
A Tax Break Now, a Bill Later — and When That’s the Smart Trade
The traditional IRA is the Roth's mirror image, and the choice between them comes down to one question:…
Articles
Digging Out of Student Debt Without Losing Your Mind
Student loans are the debt that shapes a decade of a lot of lives — big balances, long…