Mutual funds, AIF, PMS, and how to think about building a portfolio around a contract-based income.
Property and gold are the two assets most Indian families reach for by default, long before mutual funds ever enter the conversation — it’s how a generation before us built wealth, and the instinct carries forward without always being examined.…
Sailing income doesn’t arrive as a steady monthly paycheck — it arrives in chunks, usually a real amount landing all at once at the end of a contract. When that happens, the question isn’t really “should I invest it” —…
Index funds vs actively managed funds gets framed as a philosophical debate more often than it needs to be. It’s really a simpler question underneath: is the extra fee an active fund charges actually earning its keep, or not? Worth…
Internet access onboard has become far more common in recent years, and with it, something new: idle hours that used to mean a book or a movie now just as often mean a trading app open on a phone. Direct…
Same SIP amount. Same assumed rate of return. Wildly different outcomes — just because of when each person started. That’s the power of compounding, and nothing illustrates it better than watching three mariners run the same numbers from three different…
There’s a new category on the investment menu: SIF, or Specialised Investment Funds. What is SIF, in one line? SEBI’s answer to the gap between a mutual fund and PMS — more flexibility than a fund, without needing PMS-level capital.…
The number in your bank account can stay exactly the same for a year, and you can still be poorer at the end of it. That’s inflation eats into savings in one sentence: prices rise, so the same rupee buys…
Every mutual fund you’ll ever look at — equity fund, debt fund, hybrid fund — comes down to just two basic ideas underneath. Once equity vs debt actually makes sense, the rest gets much easier to follow. Debt: lending money…
As your portfolio grows, you’ll start hearing about options beyond mutual funds — PMS, AIF, and increasingly SIF. Comparing AIF vs PMS vs mutual funds isn’t about picking the “best” one. Both PMS and AIF are genuinely useful — but…
Most advice about SIPs assumes one thing that isn’t true for you: a steady salary landing in your account on the same date, every month, without fail. For a mariner, income doesn’t work that way. It arrives in blocks during…