https://simpliwealth.co.in/blog/ Plain-language financial education from SimpliWealth, Bengaluru. General education only — not investment advice. en-IN Tue, 10 Nov 2026 07:30:39 +0530 https://simpliwealth.co.in/blog/cagr-and-xirr-explained.html https://simpliwealth.co.in/blog/cagr-and-xirr-explained.html Tue, 10 Nov 2026 00:00:00 +0530 Learn the practical difference between CAGR and XIRR, why SIPs require a different formula, and how to read the return figures on your investment statements. https://simpliwealth.co.in/blog/understanding-mutual-fund-nav.html https://simpliwealth.co.in/blog/understanding-mutual-fund-nav.html Mon, 09 Nov 2026 00:00:00 +0530 A clear guide to how Net Asset Value is calculated and why a lower unit price does not make a mutual fund cheaper or more likely to grow. https://simpliwealth.co.in/blog/weekly-markets-round-up-8-november-2026-2026-11-08.html https://simpliwealth.co.in/blog/weekly-markets-round-up-8-november-2026-2026-11-08.html Sun, 08 Nov 2026 00:00:00 +0530 A summary of key market events for the week ending 8 November 2026, including index rallies, currency rules, and global technology shifts. https://simpliwealth.co.in/blog/safest-portfolio-in-the-room.html https://simpliwealth.co.in/blog/safest-portfolio-in-the-room.html Sat, 07 Nov 2026 00:00:00 +0530 A Pune retiree kept every rupee in bank deposits to avoid market risk, only to discover that nominal safety comes with a different kind of cost. https://simpliwealth.co.in/blog/how-disability-insurance-classifies-injuries-and-payouts.html https://simpliwealth.co.in/blog/how-disability-insurance-classifies-injuries-and-payouts.html Fri, 06 Nov 2026 00:00:00 +0530 Personal accident insurance divides injuries into three distinct buckets, each with its own payout rules, percentage limits, and medical proof requirements. https://simpliwealth.co.in/blog/sizing-health-insurance-sum-insured.html https://simpliwealth.co.in/blog/sizing-health-insurance-sum-insured.html Thu, 05 Nov 2026 00:00:00 +0530 A clear look at how city of treatment, family size, age, and medical inflation combine to determine an appropriate health insurance cover. https://simpliwealth.co.in/blog/how-pms-differs-from-mutual-funds.html https://simpliwealth.co.in/blog/how-pms-differs-from-mutual-funds.html Wed, 04 Nov 2026 00:00:00 +0530 A clear guide to how Portfolio Management Services (PMS) and mutual funds differ across ownership, minimum ticket size, taxation, and liquidity. https://simpliwealth.co.in/blog/where-emergency-money-can-sit.html https://simpliwealth.co.in/blog/where-emergency-money-can-sit.html Tue, 03 Nov 2026 00:00:00 +0530 A clear guide to the three properties emergency money requires—accessibility, stability, and separation—and the financial categories that fit. https://simpliwealth.co.in/blog/mapping-where-your-money-goes.html https://simpliwealth.co.in/blog/mapping-where-your-money-goes.html Mon, 02 Nov 2026 00:00:00 +0530 Understanding how income divides into inflow, committed outflow, discretionary outflow, and surplus provides a clear view of personal cash flow. https://simpliwealth.co.in/blog/weekly-markets-round-up-1-november-2026-2026-11-01.html https://simpliwealth.co.in/blog/weekly-markets-round-up-1-november-2026-2026-11-01.html Sun, 01 Nov 2026 00:00:00 +0530 A review of equity rebounds, SEBI regulatory updates, commodity drops, and global bond trends for the week ending 1 November 2026. https://simpliwealth.co.in/blog/two-retirements-same-average-return.html https://simpliwealth.co.in/blog/two-retirements-same-average-return.html Sat, 31 Oct 2026 00:00:00 +0530 Why the order in which market returns arrive matters just as much as the average return itself. https://simpliwealth.co.in/blog/how-money-back-life-insurance-policies-work-mechanically.html https://simpliwealth.co.in/blog/how-money-back-life-insurance-policies-work-mechanically.html Fri, 30 Oct 2026 00:00:00 +0530 A clear look at how survival benefits are structured, where the periodic cash payouts come from, and the arithmetic governing money-back insurance contracts. https://simpliwealth.co.in/blog/why-rebalancing-means-selling-what-performed-best.html https://simpliwealth.co.in/blog/why-rebalancing-means-selling-what-performed-best.html Thu, 29 Oct 2026 00:00:00 +0530 Learn how portfolio rebalancing works, why trimming your strongest investments feels uncomfortable, and how the mechanism manages risk over time. https://simpliwealth.co.in/blog/why-asset-allocation-matters-more-than-fund-selection.html https://simpliwealth.co.in/blog/why-asset-allocation-matters-more-than-fund-selection.html Wed, 28 Oct 2026 00:00:00 +0530 A look at why the broad split between equity, debt, and cash shapes portfolio returns and volatility far more than picking the top-performing scheme. https://simpliwealth.co.in/blog/what-a-sip-actually-is.html https://simpliwealth.co.in/blog/what-a-sip-actually-is.html Tue, 27 Oct 2026 00:00:00 +0530 A Systematic Investment Plan is not an investment product, but a method of purchase. Here is what actually happens to your money each month. https://simpliwealth.co.in/blog/how-to-estimate-a-retirement-corpus.html https://simpliwealth.co.in/blog/how-to-estimate-a-retirement-corpus.html Mon, 26 Oct 2026 00:00:00 +0530 A step-by-step method to calculate a retirement corpus by projecting household expenses forward, accounting for inflation and post-retirement returns. https://simpliwealth.co.in/blog/markets-roundup-25-october-2026-2026-10-25.html https://simpliwealth.co.in/blog/markets-roundup-25-october-2026-2026-10-25.html Sun, 25 Oct 2026 00:00:00 +0530 A factual summary of key developments across Indian equity indices, primary offerings, regulatory enforcement, and commodities for the week ending 25 October 2026. https://simpliwealth.co.in/blog/the-folios-nobody-knew-about.html https://simpliwealth.co.in/blog/the-folios-nobody-knew-about.html Sat, 24 Oct 2026 00:00:00 +0530 A family discovers that scattered, untracked investments create paperwork and distress rather than financial security after a loss. https://simpliwealth.co.in/blog/how-ltcg-harvesting-works.html https://simpliwealth.co.in/blog/how-ltcg-harvesting-works.html Fri, 23 Oct 2026 00:00:00 +0530 A step-by-step look at how realising long-term capital gains within annual tax exemptions resets your cost basis, and what to watch out for. https://simpliwealth.co.in/blog/understanding-specialised-investment-funds.html https://simpliwealth.co.in/blog/understanding-specialised-investment-funds.html Thu, 22 Oct 2026 00:00:00 +0530 Learn how the specialised investment fund category bridges traditional mutual funds and portfolio management services, along with its mechanics and risks. https://simpliwealth.co.in/blog/why-last-year-feels-like-next-year.html https://simpliwealth.co.in/blog/why-last-year-feels-like-next-year.html Wed, 21 Oct 2026 00:00:00 +0530 You will understand how recency bias distorts financial judgment, why human memory treats the recent past as the future, and how cycles work. https://simpliwealth.co.in/blog/why-investors-look-beyond-india.html https://simpliwealth.co.in/blog/why-investors-look-beyond-india.html Tue, 20 Oct 2026 00:00:00 +0530 A clear look at how geographic and currency diversification works for Indian savers, alongside the real costs, taxes, and trade-offs involved. https://simpliwealth.co.in/blog/turning-a-goal-into-a-number.html https://simpliwealth.co.in/blog/turning-a-goal-into-a-number.html Mon, 19 Oct 2026 00:00:00 +0530 A step-by-step way to convert an abstract wish like buying a home into a target date, an inflation-adjusted rupee amount, and a monthly savings figure. https://simpliwealth.co.in/blog/the-portfolio-that-became-something-else.html https://simpliwealth.co.in/blog/the-portfolio-that-became-something-else.html Sat, 17 Oct 2026 00:00:00 +0530 A quiet portfolio left alone during a long bull market can change its character completely, turning a cautious saver into an aggressive speculator without their consent. https://simpliwealth.co.in/blog/understanding-trailing-returns-point-to-point-risk.html https://simpliwealth.co.in/blog/understanding-trailing-returns-point-to-point-risk.html Fri, 16 Oct 2026 00:00:00 +0530 A trailing return looks like a single, objective number, but changing the start or end date by even a few weeks can make the same fund look brilliant or broken. https://simpliwealth.co.in/blog/how-the-two-income-tax-regimes-work.html https://simpliwealth.co.in/blog/how-the-two-income-tax-regimes-work.html Thu, 15 Oct 2026 00:00:00 +0530 A guide to the structural trade-offs between India's old and new income tax regimes, and how deductions alter the comparison. https://simpliwealth.co.in/blog/understanding-monte-carlo-simulation.html https://simpliwealth.co.in/blog/understanding-monte-carlo-simulation.html Tue, 13 Oct 2026 00:00:00 +0530 Learn how Monte Carlo simulations test a financial plan against thousands of random market journeys to show probability rather than false certainty. https://simpliwealth.co.in/blog/how-compounding-works-over-long-periods.html https://simpliwealth.co.in/blog/how-compounding-works-over-long-periods.html Mon, 12 Oct 2026 00:00:00 +0530 A look at why investment growth feels imperceptible in the early years and why the largest gains arrive towards the very end. https://simpliwealth.co.in/blog/the-house-they-were-saving-for.html https://simpliwealth.co.in/blog/the-house-they-were-saving-for.html Sat, 10 Oct 2026 00:00:00 +0530 A couple saves faithfully for eight years toward a home, only to discover the difference between having discipline and having a target. https://simpliwealth.co.in/blog/understanding-irr-and-investment-timing.html https://simpliwealth.co.in/blog/understanding-irr-and-investment-timing.html Fri, 09 Oct 2026 00:00:00 +0530 A clear explanation of Internal Rate of Return, how cash flow timing alters your real gains, and what the metric can and cannot tell you.