Tag
personal-finance
3 articles
What the Market Mood Index Measures (and Doesn't)
The Market Mood Index in my SIP/FD calculator runs on three inputs and a weighted average. Here is the exact arithmetic, and the four things it cannot see.
·10 min read
SIP vs FD After Tax: The Actual Math
Most SIP vs FD comparisons use pre-tax numbers. Taxing both correctly does not narrow the gap, it widens it. The worked math at 20% and 30% slabs.
·11 min read
Small Savings Schemes vs Debt Funds in 2026
The 2023 tax change killed indexation on debt funds. Here is how PPF, NSC, SCSS and SSY actually compare to debt funds now, using current GoI rates.
·11 min read