Value Research Online

What my gym trainer taught me about investing

Mon, 17 Feb 2025 18:20:11 +0530

Start small, be consistent, increase gradually, adjust with age, ignore fads. Building wealth follows the same rules as building muscle. Here is how to apply them.

Too late to invest at 35? My bike taught me otherwise

Tue, 14 Apr 2026 10:00:00 +0530

Starting a Rs 10,000 SIP at 35 with a 10 per cent annual step-up still builds Rs 3.94 crore by 60. The window has not closed. You just convinced yourself it has.

What your favourite stock metric is hiding

Thu, 23 Apr 2026 14:00:00 +0530

Force Motors earned its ROE through genuine profit growth. Hyundai India engineered it by shrinking equity before listing. DuPont analysis shows you the difference.

The financial conversation every newlywed needs to have

Mon, 10 Feb 2025 15:43:33 +0530

A practical guide to managing money as newlyweds. Learn about joint accounts, budgeting, insurance and investment planning for a secure financial future together.

What if the market gives you nothing for 10 years?

Sun, 19 Apr 2026 10:00:00 +0530

A flat market is harder than a crash because there is no story, no bottom, no recovery. Here is why keeping your SIP running through stagnation is the only sensible move.

Mutual funds: Not just for stock market junkies

Mon, 12 May 2025 10:00:00 +0530

Mutual funds aren't only for risk-takers. From debt to hybrid, gold to global, there’s a fund for every type of investor—even the cautious.

Why flexi-cap funds suit most investors

Mon, 25 Aug 2025 19:06:01 +0530

A fund that can buy small caps shouldn't be calmer than small-cap funds. Flexi-cap funds are. Here's the data — and the catch first-timers miss.

'Almost 0 returns after 3 years of SIPs'. Time to stop?

Tue, 07 Apr 2026 10:00:00 +0530

Three years of SIPs with near-zero returns? That's not a warning sign — it's how compounding works. The acceleration comes later. Here's the data.

Is your index too narrow?

Wed, 08 Apr 2026 10:00:00 +0530

Not all index funds are equally diversified. Learn how concentration risk affects Sensex, Nifty 50 and broader indices like Nifty 500 and BSE AllCap.

Rs 1 crore SIP dream: Here's what it really takes

Sat, 04 Apr 2026 17:00:00 +0530

Reaching Rs 1 crore in five years needs Rs 1.25 lakh a month at 12 per cent returns. A step-up SIP starting at Rs 60,000 gets you there more realistically over 10 years.

My SIP is down 12% after 1 year. Here's what nobody told me

Wed, 28 Jan 2026 11:00:00 +0530

SIPs reduce timing risk, not market risk. A first-time investor's experience of going 12 per cent down in a year explains why staying invested matters more than stopping.

What is XIRR in mutual funds? A beginner's guide

Thu, 03 Jul 2025 17:39:23 +0530

Understand XIRR in mutual funds. Learn how it calculates your actual return when you invest through SIPs, step-ups or make partial withdrawals.

Financial leverage explained: When debt turns against you

Wed, 24 Dec 2025 19:14:33 +0530

Debt can boost returns in good times but destroy wealth when cycles turn. Understand why leverage magnifies risk and how investors should judge balance sheets.

Heard of 15-15-15 SIP rule? It's misleading many investors

Fri, 27 Jun 2025 09:00:00 +0530

The 15-15-15 SIP rule promises Rs 1 crore, but real returns, inflation and investor behaviour tell a different story. Here’s why the formula can be misleading.

War, oil, volatile market. Here's what you should not do now

Thu, 26 Mar 2026 10:00:00 +0530

By the time you feel the urge to sell, markets have already priced the crisis in. One investor's conversation during the ongoing conflict shows why your plan matters more than the news.

How to grow your money 200% in just 7 years

Wed, 26 Mar 2025 17:35:06 +0530

How the 8-4-3 rule of compounding works—investments grow steadily for 8 years, then double in 4 years, and double again in just 3 more years.

The market fell. You felt it. Now what?

Fri, 20 Mar 2026 14:10:18 +0530

Market corrections feel dramatic because of how they are presented, not because of what they are. Here is how to think clearly and act wisely when prices fall sharply.

He needed Rs 3 lakh. He didn't redeem his mutual funds

Thu, 19 Mar 2026 16:51:40 +0530

Before selling your mutual funds in a cash crunch, there is another option most investors overlook. Here is when a loan against mutual funds makes sense and when it does not.

The market is bleeding. Here's why I am not pausing my SIPs

Thu, 12 Mar 2026 17:42:23 +0530

Markets may fall during crises, but pausing your SIP can hurt long-term wealth creation. Here is why continuing SIPs during downturns may work in your favour.

What are Shariah-compliant mutual funds?

Tue, 20 Dec 2022 12:28:55 +0530

What are Shariah compliant mutual funds? Are there any Shariah mutual funds in India? Let’s learn about the investment funds that adhere to Islamic religious tenets and Shariah regulations.