Typically, when we begin our investing journey, most of us probably go online and search for something like “best mutual funds for long-term investment,” “best mutual funds for SIP,” or “best-performing mutual funds in India.” It is a perfectly natural place to start. We want to make the right investment and earn good returns. And … Read more
In the previous article, we identified our financial goals, estimated how much money each goal would require, and calculated how much we need to invest every month. Now it’s time to answer the next question. How should I get there? Most people think building a portfolio starts with questions like: Those are all valid questions. … Read more
Start with purpose, not products. If you’re here, you probably fall into one of two categories. You’ve either been investing for a while and already have a portfolio, or you’re completely new to personal finance and want to learn before making costly mistakes. Either way, let’s explore why goal-based financial planning is a better approach … Read more
In the previous two articles, we discussed why checking your portfolio every day usually leads to unnecessary decisions and why a thoughtful annual review is often enough to keep your financial plan on track. That naturally leads to the next question. If I review my portfolio only once a year, how should I actually keep … Read more
In the previous article, we explored an important idea: a well-designed portfolio shouldn’t change because someone predicted the market’s next move. It should change only when your financial plan changes. That naturally leads to the next question. If I shouldn’t react to markets every day, how should I actually manage my portfolio? The answer isn’t … Read more
Imagine this. Tomorrow morning, someone you completely trust calls you. Not a television expert. Not a social media influencer. Someone whose market predictions have never been wrong. They tell you: “The stock market will rise exactly 5% next week.” Not “maybe.” Not “likely.” A certainty. What would you do? Would you increase your equity allocation? … Read more
“At its core, SimpliFinSriram is about one thing: putting you at the center of every financial decision.” But what does that really mean? Most investing advice begins with products—mutual funds, stocks, ETFs, insurance, or the latest market trend. At SimpliFinSriram, personal finance begins with you. Your goals, your timeline, your ability to take risk, and … Read more
It is always important to first look at your own goals and your own situation before making any investment decision. Not news.Not markets.Not predictions. Start with yourself. Divide everything into just 2 buckets Keep it simple. 1. Long-term goals (7+ years away) For goals that are far away, nothing changes fundamentally. Follow a clear asset … Read more
One of the biggest myths in investing is that a better portfolio must be a more complicated one. It usually doesn’t happen all at once. You start with one mutual fund. A year later, someone recommends another. Then you add an ELSS fund to save tax, a mid-cap fund because it performed well, and a … Read more