India wealth guides
Answer-first educational hubs for Indian investors — tax & SIP planning, retirement, equity/debt/gold allocation, Section 54EC bonds, emergency funds, term & health insurance needs analysis, WhatsApp wealth companion, and mutual fund portfolio hygiene — written with a CA-led Findost desk. PaisaGuru by Findost is our AI concierge. Findost (findost.io) and PaisaGuru by Findost are not affiliated with Findoc, FinDost, or other similarly named brands. PaisaGuru is the AI wealth concierge of Findost.
Portfolio hygiene hub
Mutual fund portfolio review: a practical hygiene checklist for Indian investors
A Direct-answer hub for reviewing mutual fund portfolios: goals, overlap, costs, rebalancing and when to ask for help.
Fund overlap
Fund overlap: why too many mutual funds can still leave you concentrated
Why stacking similar mutual funds can create hidden concentration — and how to think about overlap hygiene.
Rebalancing
Mutual fund rebalancing guide for Indian investors
A practical rebalancing guide: set a target mix, review on a calendar or drift rule, prefer new SIPs before taxable sells.
Direct vs regular
Direct vs regular mutual funds in India: cost, service and a decision checklist
Direct vs regular explained without hype: same scheme portfolio framing, different cost/service paths, and a decision checklist.
LTCG & tax harvesting
Equity & mutual fund LTCG tax harvesting (₹1.25 lakh) — educational guide for India
Educational hub on equity/MF LTCG, the ₹1.25L annual exemption band, and harvesting hygiene — FY-labelled, with Income Tax Dept primary links.
Old vs new tax regime
Old vs new tax regime in India: a practical decision framework
A decision framework for old vs new tax regime: total realistic deductions, slab trade-offs, and when to compute both — educational, FY-caveated.
SIP planning
SIP planning: how much SIP do you need for a goal?
How much SIP for a goal: map corpus, years and assumptions, then use the SIP calculator — with step-up and emergency-fund sequencing.
Emergency fund
Emergency fund in India: how much to keep and where
Emergency fund sizing (months of expenses) and where to keep it — liquidity first, returns second — with Findost CTAs.
Term insurance needs
How much term insurance cover do you need? An educational needs analysis for India
How much term cover: income-replacement framing, add liabilities, subtract existing cover — educational, IRDAI-caveated, not a policy sale.
WhatsApp wealth companion
PaisaGuru by Findost on WhatsApp: what the wealth companion can and cannot do
WhatsApp wealth companion explained: PaisaGuru by Findost education 24×7, human escalation for personalised decisions, and Findost ≠ Findoc.
Health insurance basics
Health insurance basics for Indian families: cover sizing, employer gaps and top-ups
Health cover basics: employer-gap thinking, base + super top-up education, city/family factors — illustrative, not a policy sale.
Retirement planning
Retirement planning in India: an educational corpus & income framework
Retirement planning framework for India: replace expenses, size corpus, sequence SIPs and NPS/PPF education — link calculators when live.
Asset allocation
Asset allocation for Indian investors: equity, debt and gold education
Equity, debt and gold allocation education for India — goal horizons, risk framing, and a cross-link to rebalancing discipline.
Section 54EC bonds
Section 54EC capital gains bonds: educational guide for property sellers in India
Full Direct-answer guide to Section 54EC bonds for property LTCG — window, ₹50L cap, lock-in, interest tax, vs paying tax and investing freely.
Plan the maths next
Pair these guides with free Findost calculators — illustrative estimates only.
Educational content only — not personalised investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.