investing
9 articles about investing.
Your SIP Return Is Not CAGR — Understanding XIRR and Why the Difference Is Larger Than You ThinkMost mutual fund investors confuse fund NAV growth (CAGR) with their personal return (XIRR). For SIPs, the gap can be 3–5 percentage points. Here's the math, a worked example, and how to calculate your actual return in minutes.27 May 2026 · 6 min read
HDFC AMC Reports Cybersecurity Incident: What It Means for Your Mutual Fund InvestmentsHDFC AMC has disclosed a cybersecurity incident and activated containment protocols. Here's what happened, whether your mutual fund units are at risk, what data AMCs hold about you, and the exact steps to take right now.18 May 2026 · 11 min read
Your 2008 Mutual Fund May Be Silently Bleeding Money — Here's What Happened and How to Fix ItAgents in 2008 enrolled investors in dividend payout plans, left wrong bank details, and misspelled names. 15–20 years later, lakhs sit in money market accounts earning 4% instead of 12%+. Full recovery guide.16 May 2026 · 18 min read
Best Fixed Deposit Rates in India — May 2026: SBI, HDFC, ICICI, Small Finance Banks ComparedBank FD rates are falling as the RBI cuts the repo rate. Here's where rates stand in May 2026, which banks still offer the best returns, and whether to lock in now before the next cut hits.15 May 2026 · 11 min read
How to build a ₹1 crore corpus with SIP: a step-by-step 2026 guideBuilding ₹1 crore through SIP is more achievable than most investors think. Here's exactly how much to invest, for how long, and which assumptions to stress-test before you commit.14 May 2026 · 10 min read
Sovereign Gold Bond Matures at 382%: What 2018 SGB Investors Are Taking Home in 2026The SGB 2018-19 Series 1 matures in May 2026, delivering over 382% total returns to investors who bought at ₹3,114 in 2018. Here's the full calculation, the tax treatment, and whether gold as an asset class still makes sense for new investors.13 May 2026 · 8 min read
PPF at 7.1%, NSC at 7.7%: Small Savings Rates Frozen for April–June 2026 — What This MeansThe government has kept PPF, NSC, Sukanya Samriddhi, and other small savings rates unchanged for the April–June 2026 quarter — the eighth consecutive quarter without a change. Here's what current rates look like, why they're frozen, and how to use them in your portfolio.10 May 2026 · 9 min read
India's SIP Crosses ₹32,000 Crore in March 2026: What This Milestone Means for Your InvestmentsIndian retail investors pumped ₹32,087 crore into SIPs in March 2026 — a new record. 9.72 crore SIP accounts are now active. Here's what this wave of money means for your existing SIP and whether you should be increasing your contribution.8 May 2026 · 8 min read
SIP vs Lump Sum Investment: Which Builds More Wealth in 2026?SIP and lump sum both grow money — but which is right for you depends on market conditions, your cash flow, and your risk tolerance. Here's the honest breakdown.7 May 2026 · 9 min read