Ritesh Sabharwal CFP® W.M.W #36: Health Insurance Coverage - How Much? Reading time: 5 minutes - February 21, 2026 ↓ Hey Reader After publishing my last newsletter, I got several emails mostly asking the same thing: What's the actual health insurance coverage I need? In India, families still pay 39.4% of healthcare costs out of their own pocket. Too little cover and a single hospital bill can force you to raid your savings, liquidate investments, or take on debt Too much and you're paying for...
about 1 month ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #35: One Hospital Bill Can Destroy 20 Years of Savings Reading time: 5 minutes - February 14, 2026 ↓ Hey Reader Today's newsletter is in partnership with Ditto. I've been on many calls with their advisors and have almost always been satisfied with the clarity of explanations and exceptional customer service. So, last month, my friend Priya called me, panicking. Priya: My dad needs an emergency bypass surgery. The hospital is asking for ₹8 lakhs. We don't have...
about 1 month ago • 5 min read
Ritesh Sabharwal CFP® W.M.W #34: He Saved 1% in MFD Fees and Lost Crores Reading time: 5 minutes - February 7, 2026 ↓ Hey Reader Last week, I got into a discussion with my friend Rohan at a coffee shop.Rohan: I'm switching all my investments to direct plans. That 1% fee is eating my returns! I calculated - it'll cost me ₹1 crore over 30 years!Me: So you're managing everything yourself now?Rohan: Yeah! I read all the finance blogs. I know which funds to pick.Me: And how did you handle March...
about 2 months ago • 5 min read
Ritesh Sabharwal CFP® W.M.W #33: 18 Mutual Funds Didn’t Make Her Richer. They Made Her Poorer. Reading time: 5 minutes - January 31, 2026 ↓ Hey Reader Last week, my friend Ankita proudly showed me her mutual fund portfolio:Ankita: Look at this! I've diversified perfectly. I have 18 mutual funds across different AMCs. My portfolio is bulletproof!Me: That's not diversification. That's di-worse-ification.Ankita: What do you mean? More funds = more diversification, right?Me: Let me check...
about 2 months ago • 5 min read
Ritesh Sabharwal CFP® W.M.W #32: How ₹40K/month expenses become ₹2.3L/month in 30 years Reading time: 4 minutes - January 24, 2026 ↓ Hey Reader Last week, my friend Sameer showed me his investment portfolio with pride: Sameer: See this! I've been doing ₹25K/month SIP for 3 years. At 12% returns, I'll have ₹7.7 crore in 30 years!Me: That's great. But let me ask you something - what's your monthly lifestyle expense right now?Sameer: Around ₹40,000. Why?Me: "Do you know what that ₹40,000/month...
2 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #31: (Part 5/5): The 7 Ratios that separate great mutual funds from average ones Reading time: 5 minutes - January 17, 2026 ↓ Hey Reader In continuation of the Mutual fund series, last week I explained equity, debt, and hybrid funds to my cousin based on goal timelines and risk appetite. Her immediate follow-up question: Cousin: With so many funds available, how should I evaluate which one is actually good?Me: Most people pick funds based on past 1-year or 3-year...
2 months ago • 5 min read
Ritesh Sabharwal CFP® W.M.W #30: (Part 4/5): Equity vs Debt vs Hybrid MF? What should you do? Reading time: 4 minutes - January 10, 2026 ↓ Hey Reader In continuation to the Mutual fund series, last week I explained fund structures, management styles, and investment modes to my cousin. Her immediate follow-up question: Cousin: Okay, I understand Open vs Closed, Active vs Passive, Direct vs Regular. But when I filter by 'Equity' or 'Debt' or 'Hybrid,' I still see 100s of funds in each. How do I...
3 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #29: (Part 3/5): 1000+ funds – Which MF type should you pick? Reading time: 5 minutes - January 3, 2026 ↓ Hey Reader First, A very Happy New Year to everyone!!! Last year has been amazing for me. I started my newsletter again and this is the 29th edition. Thanks to the support of over 2,800+ subscribers. In continuation to the Mutual fund series, last week I explained to you all NAV, AMC, expense ratio and other MF terminologies which I explained to my cousin. Her...
3 months ago • 3 min read
Ritesh Sabharwal CFP® W.M.W #28: (Part 2/5): Mutual Fund Jargons Simplified - AMC, AUM, NAV, NFO, TRI, PTR etc. Reading time: 5 minutes - December 27, 2025 ↓ Hey Reader Last week, I explained what mutual funds are to my 24-year-old cousin. Cousin: "Okay, I understand the pooling concept and how Mutual fund operates". But you mention that there is a lot more to MFs world.Me: "Have you heard about terms like NAV, AMC, AUM, NFO, TRI, expense ratio etc?"Cousin: "Yes, have heard some of these in...
3 months ago • 4 min read