Kaustubh Kale

When investors evaluate any investment, the first number they usually think of is the “profit”. What extra have we earned? Naturally, this feels exciting. But the important question is: does this number truly reflect how well your money has worked for you? This is where investors must understand the difference between absolute returns and XIRR. This difference is important across asset classes - whether it is a stocks portfolio, mutual funds portfolio, insurance product, LIC plan, real...

For many families, a home loan is the biggest financial commitment of their lives. So, it is natural to think that the faster you repay it, the better it is. After all, becoming debt-free sounds emotionally satisfying and financially responsible. But personal finance is not only about emotions. It is also about opportunity cost. Cheap Money A home loan is usually among the cheapest forms of borrowing available to an individual. In many cases, especially for younger borrowers with longer...

As Akshay Tritiya arrives, gold once again takes centre stage in Indian households. For generations, buying gold on this auspicious day has been considered a symbol of prosperity, purity, and good fortune. It is not just a purchase. It is an emotion, a blessing, and a tradition passed from one generation to another. But beyond tradition, gold also carries an important financial lesson. Gold is not just jewellery. It is an asset. Gold During Uncertain Times Over the years, gold has proved its...