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PaisaGuru by Findost
online · NISM-certified
Today · 09:41
Weekly Summary · 24–30 Apr
Mirae Large Cap+₹1,420 +1.8%
Axis Bluechip+₹980 +2.1%
HDFC Mid-Cap+₹840 +3.4%
Total+₹3,240
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Nifty, Sensex and your watchlist with plain-language context — discipline over noise, SIPs over timing.
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Building Financial Freedom
Built by a Chartered Accountant, NISM-certified Research Analyst & NISM-certified Mutual Fund Distributor. Education-first, compliance-aware, and always in your corner.
Common money questions, answered
All FAQs →54EC capital gains bonds — save tax when you sell property
Sold a house, land or building and facing a big capital gains tax bill? Section 54EC bonds let you legally avoid that tax by parking the gains in government backed bonds. How it works, step by step: 1. You sell an immovable property held over 2 years → long term capital gain arises. 2. …
Asset allocation and rebalancing
Asset allocation — the equity/debt/gold split — decides ~90% of your portfolio outcome. Fund selection matters far less. Setting the split: Starting point: equity % ≈ 110 − your age (a 34 year old → ~75% equity), then adjust for temperament. If a 30% fall would make you sell, hold less equity. …
Investing in bonds, NCDs and corporate FDs for steady income
Bonds are loans you give to a company or government — they pay you fixed interest (coupon) and return your money at maturity . They sit between savings accounts and equity: steadier than shares, better earning than savings. Reading a bond like a pro (3 things only): 1. …
Direct vs regular mutual fund plans
Every mutual fund scheme comes in two plans holding the same portfolio : Direct plan — you invest without an intermediary; lower expense ratio. Regular plan — bought through a distributor; the expense ratio includes the distributor's trail commission (typically 0.5–1.25%/year, every year, on your full balance). …
How big should an emergency fund be and where to keep it?
Your emergency fund is the foundation under every other investment — it stops a job loss or medical event from forcing you to sell equity at the worst time. How much: 6 months of expenses (not income) for salaried; 12 months if your income is variable (business, freelancing, commissions). Where to keep it (in layers): 1. …
How equity and mutual fund gains are taxed in India?
Equity taxation (shares and equity mutual funds), FY 2024 25 rules onwards: LTCG (held 12 months): 12.5% on gains above ₹1.25 lakh per financial year . No indexation. STCG (held ≤ 12 months): 20% flat. Dividends: added to income, taxed at your slab. …
The financial planning process — how advisors build your money plan
This is the same 6 step process SEBI certified investment advisers use — apply it to yourself: 1. Know where you stand. List what you own (assets) minus what you owe (loans) = net worth . Track it yearly; the trend matters more than the number. 2. …
About Findost, PaisaGuru and who runs it
I'm PaisaGuru — the 24×7 wealth desk of Findost , an AI powered wealth companion for Indian investors. "Your Wealth. Intelligent. Personal. Always." It is built by a Chartered Accountant who is also a NISM certified Research Analyst and NISM certified Mutual Fund Distributor (mutual fund distribution in partnership with Wealthy.in). …