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Learn: The Numbers Behind Mutual Funds and Retirement
Six short guides, one question each. Every number is sourced. Start anywhere.
SIP Real Returns: Why Your Return Is Not the Fund's Return
The fund returned 19.1% a year. Its investors did not. What twenty years of Indian data say about the gap.
Read →Regular vs Direct Plan: The Small Fee That Costs ₹66 Lakh
Same fund, same manager, different fee. Over thirty years, the difference is about a quarter of your corpus.
Read →Active vs Index Funds: Do Indian Fund Managers Beat the Market?
You pay a fund manager to beat the market. Over ten years, three out of four Indian large-cap funds did not.
Read →The SIP Builds It, the SWP Eats It: SWP Risk in Retirement
A falling market helps you while you are buying. It hurts you while you are selling. Here is why that matters at 60.
Read →Safe Withdrawal Rate in India: Why the 4% Rule Falls Short
The famous 4% rule came from American history. Indian research suggests a lower number, and it changes how big your corpus must be.
Read →Corpus vs Cash Flow: Why a Big Number Is Not a Retirement Plan
A corpus is a number you are afraid to spend. Cash flow is money that arrives every month. That difference is the whole retirement question.
Read →SIP fee calculator
Put in your own numbers and see what the fee takes.
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