Value Research Online

Investing for the long term on a salary of 35k

Wed, 14 Apr 2021 07:00:00 +0530

Sumit earns 35,000 and is 24 years old. Here’s a financial roadmap for him to help him achieve his long-term financial goals. Find out how you can apply it.

Safety has its own cost

Mon, 20 Apr 2026 12:58:03 +0530

A retiree with SCSS, PMVVY and a direct stock portfolio wants to exit equity in volatile markets. The answer is not a full exit, but a smarter, tax-efficient restructuring.

Fixed income maturing soon? Deploy it smartly

Fri, 20 Mar 2026

A large PPF corpus maturing at 48 raises real questions about liquidity, stability and growth. Here is a three-bucket approach to deploying it wisely before retirement.

Prepay the home loan or keep investing?

Fri, 20 Feb 2026

Should you prepay your home loan or keep investing? This practical guide tells you how to balance EMIs, equity returns and financial stability over the long term.

How the recent bull market misled this older investor

Tue, 20 Jan 2026

A 70-year-old investor’s story shows why chasing small caps and themes can backfire later in life, and how age-appropriate equity–debt allocation reduces risk.

Can Rs 10 lakh jump-start three life goals?

Sat, 20 Dec 2025

Got a lump sum to invest? See how a government employee plans Rs 10 lakh across retirement, child’s education and wedding using mutual funds and NPS.

Story of new-age investors

Thu, 20 Nov 2025

Holding 15 funds feels diversified but often mirrors indices, adds duplication and complexity. Clear goals, fewer funds and yearly reviews create better outcomes.

Gen Z dilemma: Balancing dreams and crorepati goals

Sat, 20 Sep 2025

At 25, Samarth wants a car, family holidays and Rs 1 crore by 35. Here's how he balances dreams and discipline with a smart SIP-led plan.

At 45, is it too late to secure a comfortable retirement?

Wed, 20 Aug 2025

Rajesh has built a Rs 45 lakh corpus and invests Rs 50,000/month. But with retirement and his daughter’s education ahead, is he on track? Here's what the numbers reveal.

Rs 50 lakh in the bag. Should he push for more?

Sun, 20 Jul 2025

With just three years to his son’s college, Surendra must protect—not chase—returns. See how SWPs and education loans offer safer, smarter solutions

How to sustain retirement with Rs 70 lakh today

Fri, 20 Jun 2025

Hema, 61, wants monthly income and to leave Rs 25 lakh for family. Here's how a 5 per cent withdrawal rate and a smart portfolio can make that possible.

Everyone's buying gold. Should you?

Fri, 16 May 2025 10:00:05 +0530

With gold hitting record highs, many are tempted. But is it worth adding to your portfolio? We explain gold’s role and the best ways to invest in it.

Retire safe, rent or no rent

Thu, 17 Apr 2025

Learn how to secure your retirement income when rental income falls short. Explore strategies like liquidating real estate, creating a conservative portfolio and building a legacy.

How should retirees navigate this rough market?

Sat, 15 Feb 2025

As a retiree, it can be tough to deal with market falls. Here, we provide a roadmap to help you stay calm and help navigate market volatility.

How to open your dream eatery at 50

Wed, 15 Jan 2025

Explore how Anshul, a 32-year-old professional, can secure his daughter’s education, retire at 50, and open a dream eatery. Learn goal-based investment strategies and the power of SIPs for long-term financial success.

Should you strike when the market is cold?

Sun, 15 Dec 2024

Stop SIPs, invest a lump sum, or stay the course? Learn why time in the market beats timing the market and how to align your investments with your goals.

BAF: Your retirement BFF?

Fri, 15 Nov 2024

Can BAFs provide reliable retirement income? Explore a study comparing BAFs to DIY portfolios and find out which strategy delivers peace of mind for retirees.

Market has corrected recently. Is this a window of opportunity for investors?

Mon, 14 Oct 2024 16:50:31 +0530

We understand if timing our investment is beneficial and what happens if we delay investing. Discover SIP benefits, hybrid fund strategies, & smart financial planning.

Should you chase sectoral trends?

Tue, 17 Sep 2024 09:00:07 +0530

Akash, an IT professional, faces a dilemma between sectoral and diversified mutual funds. Discover the risks of chasing sector returns and why a diversified approach may be safer for new investors.

To pause or not to pause your SIP?

Thu, 15 Aug 2024

While it may seem tempting to stop your investments when the markets are going up, it may result in accumulating a lower corpus in the long run.