Value Research Online

The 'boring' asset that shields your portfolio

Mon, 20 Apr 2026 12:58:02 +0530

Adding 30 per cent debt to an all-equity portfolio has trimmed drawdowns by 5 to 12 percentage points in every major market fall since 2010. Here is why that number matters.

Are your pay hikes funding wealth or lifestyle?

Fri, 20 Mar 2026

High income and instant credit are leaving many young professionals with thin balance sheets. Two ratios, wealth capture and EMI-to-income, reveal exactly where you stand.

Does diversifying beyond mutual funds make sense?

Fri, 20 Feb 2026

Should investors move beyond mutual funds? We examine gold, REITs, PMS, SIFs and AIFs to see if they truly improve returns or truly reduce your portfolio risk.

How to choose the right tenure for your home loan

Sat, 24 Jan 2026 17:00:00 +0530

A lower EMI can hide bigger risks. Learn how your home loan tenure affects interest costs, flexibility and long-term financial risk, not just monthly comfort.

Here's why your emergency fund is outdated today

Tue, 20 Jan 2026

The old three-month emergency fund rule ignores job risk, EMIs and rising costs. A three-layer emergency fund offers liquidity, stability and better protection.

Why you shouldn't fall for the 'low EMI' trap

Thu, 15 Jan 2026 15:43:31 +0530

Low EMIs may feel affordable, but they hide higher interest costs and long-term risks. Here’s why judging a home loan only by the EMI amounts can mislead you.

How much home loan should you really take?

Thu, 08 Jan 2026 18:28:09 +0530

Banks may approve a large home loan, but that doesn’t mean you should take it. Learn how you should decide on a home loan amount that won’t strain your finances.

The hidden commitment behind every home loan

Fri, 02 Jan 2026 16:37:10 +0530

Home loan EMIs may look affordable today, but they lock your cash flow for decades. Understand the real financial commitment before signing up.

HDFC vs SBI FD in 2026: The better option for your money?

Sat, 27 Dec 2025 11:00:00 +0530

Comparing HDFC and SBI FDs is not just about rates. Learn how tenure, withdrawal rules and compounding decide which fixed deposit really works for your 2026 goals.

The smartest way to finance your child's higher education

Sat, 20 Dec 2025

Planning your child’s higher education? Compare children’s funds, SSY, ULIPs and see why a simple equity SIP works best for a 10–15 year goal.

A safety net full of holes

Sat, 20 Dec 2025

Term insurance offers high life cover at low cost. Learn why it beats ULIPs and endowment plans, how much cover you need and how to choose the right policy.

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.

The right way to borrow

Thu, 20 Nov 2025

Loans can build your future or quietly drain it; choosing the right type, keeping EMIs in check and avoiding decorative debt is key to borrowing wisely and staying free.

'Privately, CEOs say a third of workforce will be eased out'

Tue, 18 Nov 2025 13:44:34 +0530

India may see a third of jobs displaced as CEOs quietly caution. Most households remain underprepared with low savings and rising leverage. Build buffers now.

Save your gains: How to beat the taxman legally

Sat, 20 Sep 2025

Learn how to save capital gains tax using Sections 54, 54EC, 54F and more. Know which reinvestment option works best based on your asset and timeline.

Gifting mutual funds has become easier now

Wed, 20 Aug 2025

Want to gift mutual fund units to loved ones? SEBI has simplified the process for SoA holders. Here's how to do it online and what taxes apply to the recipient.

70% Indian parents can't retire. Here's how to help yours

Wed, 06 Aug 2025 18:28:29 +0530

Most Indian parents lack retirement security. Learn how to talk money with them and build a smart investment plan for their financial dignity and peace.

How to fund your twins' education with mutual funds

Tue, 05 Aug 2025 18:32:25 +0530

With 18 years to plan, mutual funds can help you fund your twins’ education. Start SIPs early, step them up, and build a goal-focused corpus with ease.

Earn below ₹4 lakh? 6 reasons why you should still file ITR

Wed, 23 Jul 2025 14:01:40 +0530

Even with no tax liability, filing a Nil ITR builds proof for loans, refunds, visa and more. It’s a smart move for your financial future.

Gold loans: Quick money, but know the fine print

Sun, 20 Jul 2025

Gold loans offer quick cash using idle jewellery. Learn how they work, hidden costs to avoid, and tips to use them wisely without risking your gold