Author name: gauarvcfp

Two equity mutual funds have both delivered 14% returns over three years. A third fund has delivered 18%. Most investors […]

Every investor knows that portfolios can lose money. But knowing that is different from knowing how much. An investor or

Standard deviation is the most widely used measure of investment risk. But it has a fundamental flaw: it treats upside

When the Nifty 50 fell sharply during the COVID-19 crash of March 2020, gold did not follow it down. Gold

When the Nifty 50 rises 1%, some stocks rise 2%. Others rise only 0.4%. A few move in the opposite

Standard deviation tells you how much an investment’s returns fluctuate. But it does not tell you whether that level of

Two equity mutual funds both deliver an average annual return of 14% over five years. At first glance, they look

When the COVID-19 pandemic hit in March 2020, the BSE Sensex fell approximately 38% in a matter of weeks. No

Every investment decision involves risk. There is no way around this. Whether an investor puts money into a fixed deposit,

A tax-free bond offering 5.5% and a taxable fixed deposit offering 7.5% look like an easy choice at first glance.

When an investor sees a mutual fund delivering 14% CAGR or a fixed deposit offering 6.5%, those numbers look straightforward.

Real Return vs. Nominal Return: Formula, Examples and CFP Exam Notes A fixed deposit offering 7% looks attractive at first

Two investors. Same fund. Same time period. Completely different returns, and both are correct. This is not a paradox. It

Imagine two mutual funds. Fund A delivers returns of +40%, −20%, and +40% over three years. Fund B delivers a

Every investment decision starts with a question — “What return did I actually earn?” Before a financial planner can evaluate

India’s investment story has undergone a structural transformation in less than a decade. A country that once parked the bulk

Financial decisions shape every stage of a person’s life, from the first salary to retirement. Yet most people make these