Value Research Online

Your FD safety net is bigger than you think

Fri, 13 Feb 2026 12:00:00 +0530

DICGC insures deposits up to Rs 5 lakh per depositor per bank. Learn why spreading fixed deposits across big and small finance banks can boost safety and returns.

Tax-loss harvesting in mutual funds: Does it work in 2026?

Sun, 15 Mar 2026 17:00:00 +0530

Tax-loss harvesting can still help mutual fund investors reduce capital gains tax in 2026. Understand the new tax rules, when harvesting works and when it may backfire.

Three principles of long-term investing

Sun, 15 Mar 2026 18:15:00 +0530

Madhu Lunawat explains small-cap investing, investor behaviour and asset allocation, and shares three key principles that guide disciplined long-term wealth creation.

The problem with your emergency fund

Tue, 10 Mar 2026 19:00:00 +0530

Many investors park their emergency fund in the wrong assets. Learn a simple three-layer framework to keep your emergency money safe, liquid and accessible when you need it.

SWP: Turn your mutual fund into a paycheque

Fri, 27 Mar 2026 13:36:04 +0530

Learn how a systematic withdrawal plan (SWP) provides a steady income, tax efficiency and control over your mutual fund investments, ideal for retirement planning.

Rs 3 lakh crore out. Should debt fund investors panic?

Fri, 17 Apr 2026 16:08:16 +0530

Debt mutual funds saw nearly Rs 3 lakh crore in outflows in March 2026. Here’s why this sharp drop is seasonal and not a reason for retail investors to panic.

Park your emergency fund smarter, not just safer

Mon, 20 Apr 2026 10:00:00 +0530

Looking for safe yet rewarding options for your emergency fund? From savings accounts to liquid funds, here’s how to structure your corpus for liquidity, stability and better returns.

Is your emergency fund safe enough?

Wed, 01 Apr 2026 13:11:47 +0530

Choosing the right emergency fund is about safety, not returns. Learn why liquid funds work best and which options to avoid during periods of market stress.

20% returns, ₹1 lakh a month: Realistic or unreasonable?

Wed, 11 Mar 2026 19:20:38 +0530

Can a Rs 1 crore mutual fund investment deliver 20 per cent returns and Rs 1 lakh monthly income? Here’s why such expectations may be unrealistic.

Build your safety net with the right funds

Tue, 17 Mar 2026 18:18:00 +0530

Looking to build an emergency fund? Learn which debt funds to choose, how to structure your safety net in layers, and where to park money for liquidity, stability and quick access.

A simple guide to debt funds

Sun, 28 Dec 2025 17:00:00 +0530

Understand what debt mutual funds are, how they work, and which types to pick based on your time horizon. A simple guide to using debt funds the right way.

Which mutual funds to invest in after retirement?

Tue, 23 Dec 2025 18:00:58 +0530

Retirement investing isn’t one-size-fits-all. The right mutual funds after retirement depend on whether your money must fund income or grow long term.

A bad first year of retirement can undo years of saving

Fri, 21 Nov 2025 11:36:33 +0530

A weak first year of retirement can shrink your corpus due to the sequence of returns risk. Here is how timing affects outcomes and how simple buffers can protect you.

What it costs to retire today on a Rs 1 lakh/month lifestyle

Fri, 24 Oct 2025 13:00:00 +0530

Dreaming of retiring early with a Rs 1 lakh monthly lifestyle? We ran the numbers for a couple in their 50s and found they’d need around Rs 3.7 crore to sustain 40 years of peaceful living. Here’s how inflation, returns and asset mix change the math.

Why have arbitrage funds got over Rs 50,000 crore recently?

Tue, 12 Aug 2025 19:02:28 +0530

Arbitrage funds saw Rs 50,000 crore inflows in four months, driven by strong returns and equity-like tax benefits with debt-like risk

The best debt funds to achieve a 2 to 3-year goal

Mon, 11 Aug 2025 12:55:41 +0530

Short-duration funds with high-quality bonds suit 2 to 3-year goals, offering a balance of returns, stability and lower risk than longer-duration options

Should you invest in debt ETFs? Here's the real answer

Thu, 31 Jul 2025 17:33:48 +0530

Debt ETFs are booming but are they right for you? Learn when these passive bond funds make sense and when traditional debt funds are a better fit.

Jio BlackRock Liquid Fund: How much return can you expect?

Thu, 10 Jul 2025 17:00:04 +0530

Jio BlackRock Liquid Fund is off to a strong start. See what returns you can expect, how it compares to others, and which fund suits your tax slab best.

Small savings rates may be lowered soon. Time to invest now?

Fri, 27 Jun 2025 17:49:38 +0530

Small savings rates may drop as RBI cuts repo rate. Lock in SCSS or NSC now for higher returns or consider debt funds for flexibility?

There's actually a loan where banks pay seniors every month

Wed, 11 Jun 2025 16:20:45 +0530

Retirees can turn their home into a monthly income with a reverse mortgage. But this comfort comes at a cost. Here's what you must weigh before signing up.