Ritesh Sabharwal CFP® W.M.W #18: Meet HUF: Separate PAN. Separate Savings. Reading time: 5 minutes - October 17, 2025 ↓ Hey Reader Here's a question I keep getting from people who've just discovered this concept: "What's HUF? Can it really save me lakhs in taxes... legally?" Yes, it can. And no, it's not some shady loophole. Hindu Undivided Family (HUF) is a legitimate tax structure recognized by Indian law. But here's what most people don't realize - setting up an HUF isn't for everyone, and...
about 2 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #17: ULIPs vs (Term + MF): Which is better? Reading time: 5 minutes - October 11, 2025 ↓ Hey Reader This is one of the most common questions I get:“Should I buy a ULIP since I get both Insurance + Investment in 1 product itself?” On paper, ULIPs sound neat. It gives you life cover and also helps to “grow” your money. For someone who doesn’t want to manage too many things, it feels like a clean solution. But when you dig deeper, the math almost always tilts in favor...
about 2 months ago • 3 min read
Ritesh Sabharwal CFP® W.M.W #16: H² rule: Prepay loan or invest? Reading time: 5 minutes - October 4, 2025 ↓ Hey Reader My friends and followers keep asking me this question time and again: "I’ve got a home loan going on. I’m also investing in SIPs. Now if I get a bonus or salary hike, should I prepay my loan to feel lighter - or invest extra and grow wealth faster?" On one side, the logic of prepaying feels comforting: fewer EMIs, less interest, and peace of mind. On the other side,...
2 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #15: From the first ₹1 Cr grind to ₹1 Cr per year after 24 years Reading time: 4 minutes - September 27, 2025 ↓ Hey Reader They say the First Crore is the hardest and it’s true - building that initial ₹1 Cr portfolio feels like climbing a mountain. But here’s the exciting part: once you cross that milestone, the next crores come much faster. Here’s why 👇 The Road to Your First Crore Ask any seasoned investor - the first ₹1 crore is always the hardest. Why? Because...
2 months ago • 2 min read
Ritesh Sabharwal CFP® W.M.W #13: NPS Tier II: What you really need to know? Reading time: 3 minutes - September 13, 2025 ↓ Hey Reader We’re living longer than ever before. The average life expectancy today is around 73 years - which means most of us will easily spend ~15 years in retirement. The big question is: how do you make sure your money lasts longer than you do? That’s where the National Pension System (NPS) comes in. Most people know about the Tier I account (the mandatory retirement...
3 months ago • 3 min read
Ritesh Sabharwal CFP® W.M.W #12: 30-30-40: Wanna try this to secure your needs? Reading time: 4 minutes - September 6, 2025 ↓ Hey Reader Most of us think personal finance is complicated. But in reality, it only needs one thing: a system that works every month, without guilt. I’ve seen this play out so many times - mid-career professionals earning ₹25-30 lakhs a year, yet living paycheck to paycheck. Why? Because EMIs, credit card spends, kids’ fees, and lifestyle creep eat into everything....
3 months ago • 2 min read
Ritesh Sabharwal CFP® W.M.W #11: The 12.5% secret that makes your home loan interest-free Reading time: 3 minutes - August 30, 2025 ↓ Hey Reader If you’ve ever taken a home loan or there is one currently going on, you know this pain — you borrow ₹80 lakhs as principal amount, but end up paying way more than that just in interest over the loan’s tenure. Let’s break this down with an example: Loan amount: ₹80 lakhs Tenure and rate : 20 years @ 8.5% EMI: ₹69,426 Total interest paid: ₹86.6 lakhs...
3 months ago • 2 min read
Ritesh Sabharwal CFP® W.M.W #10: Rohit's 56.08% portfolio overlap mistake is costing him Reading time: 3 minutes - August 23, 2025 ↓ Hey Reader A friend of mine (Rohit) last weekend showed me his “carefully chosen” mutual fund portfolio. He had 5 different funds, spread across big names, different AMCs, and even different categories. It looked neat on paper. But when we checked the numbers, he was a little surprised. Two of his funds had more than 55% overlap. In simple words - more than half...
3 months ago • 3 min read
Ritesh Sabharwal CFP® W.M.W #9: Your ₹1 crore today will be ₹17.4 lacs in 30 years Reading time: 4 minutes - August 16, 2025 ↓ Hey Reader If you think ₹1 crore makes you “set for life,” I’ve got bad news just being a crorepati won't be enough. I can’t tell you how many times I’ve heard people proudly say, “I have ₹1 crore in savings, I’m sorted.” It’s a nice round number, sounds like a big milestone… until inflation quietly eats away at it. And inflation doesn’t knock - it just moves into...
4 months ago • 3 min read