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” —…
Direct vs regular mutual funds is a fair question to ask an MFD directly, so here’s the honest answer upfront: a regular plan costs more than the same fund’s direct plan, every single time, because a small distributor commission is…
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…
A quiet worry sits behind a lot of SIP decisions in this career: what if a medical fitness issue, an injury, or something else ends the sailing years earlier than planned — does that SIP become a problem? It’s a…
Ask most sailing officers if they have health insurance, and the honest answer is usually “the company covers me” — which is true, for exactly as long as the contract runs. Health insurance for mariners needs to be thought about…
Most mariners end up with a term insurance policy the same way: it got bought during sign-off — a bank RM’s call right after a lump sum landed in the account, or a relative’s suggestion — and a number got…
Most mariners end up with both an NRE and an NRO account without ever being told clearly why, or which one is actually for what. NRE vs NRO isn’t a choice between two competing products — it’s two different tools,…
Most financial advice says to size your emergency fund around six months of expenses, sitting in cash for when income disappears unexpectedly. A useful way for mariners to think about their emergency fund is around sign-off instead — and here’s…
A perspective from Capt. Gurbinder — sailing master and ChartMyFunds contributor. This is the first in a short series he’s writing for us. The last goal should be the first target — that’s the whole argument of this piece, stated…
You’ll see the phrase “incidental advice” on our Disclosures page, and it probably reads like dry regulatory language you can skip past. It’s worth two minutes, though, because it actually explains something useful: exactly what kind of help you’re getting…