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...
about 1 month ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #27: (Part 1/5): 91% Indians Miss Wealth Creation - Mutual Funds Explained Reading time: 5 minutes - December 20, 2025 ↓ Hey Reader Last week, my 24-year-old nephew Neha asked me something I hear all the time:Neha: "Everyone says 'invest in mutual funds.' But I don't even understand what a mutual fund is. How does it work?"Here's what I told her - and what every Indian should know about mutual funds. The Problem: 91+% of Indians Miss Out on Wealth Creation Only...
about 1 month ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #26: 127 of You Asked: Where Do I Park My Emergency Fund? Reading time: 5 minutes - December 13, 2025 ↓ Hey Reader After my last newsletter on building an emergency fund, I got quite a few emails. 127 emails to be precise. All asking the same question: "I've built my emergency fund. Now where do I park it?" Rajesh (Mumbai): "I have ₹5 lakhs sitting in savings account. Am I doing this wrong?"Priya (Bangalore): "You mentioned liquid funds in your 3-bucket strategy....
about 1 month ago • 6 min read
Ritesh Sabharwal CFP® W.M.W #25: 75% Indians Are Unprepared for Emergencies. Are You? Reading time: 5 minutes - December 6, 2025 ↓ Hey Reader Two years ago, I had ₹47,000 in my savings account and called it my "emergency fund." At the same time, my friend Rohan - same age, same salary bracket - lost his job. He had no emergency fund. Within 3 months, he: Maxed out his credit card (₹2.4 lakhs) Took a personal loan at 12% interest (₹4 lakhs) Sold his mutual fund investments at a 35% loss (₹1.8...
about 2 months ago • 6 min read
Ritesh Sabharwal CFP® W.M.W #24: NPS vs PPF vs MF: The ₹70 Lakh question? Reading time: 5 minutes - November 29, 2025 ↓ Hey Reader Last week, my 35-year-old friend Meera asked me something I hear all the time: Meera: "I want to start investing ₹10,000/month for retirement. Should I go with NPS, PPF, or just mutual funds?"Me: "That's the ₹70+ lakhs question."Meera: "What do you mean ₹70+ lakhs question?"Me: "Let me show you." I ran the same ₹10,000/month through all three options for 25 years....
about 2 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #23: 60:40 or 30:70? My retirement equity–debt mix Reading time: 5 minutes - November 22, 2025 ↓ Hey Reader Last month, my 52-year-old uncle called me, frustrated: Uncle: "I've been investing in equity mutual funds for 25 years. My portfolio is at ₹2.8 crore. But I'm losing sleep every time the market drops."Me: "What's your equity-debt split?"Uncle: "85% equity, 15% debt. My advisor said 'equity for the long term.' I'm retiring in 3 years."Me: "That's a problem....
2 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #22: Retire at 45 or 60? F.I.R.E reality check Reading time: 5 minutes - November 15, 2025 ↓ Hey Reader Last week, my 29-year-old colleague Arjun told me something that stunned me: Arjun: "I'm planning to retire by 40. I'm done with the 9-to-5 grind."Me: "That's ambitious. How much have you saved?"Arjun: "₹18 lakhs so far. I'll have ₹2 crore by 40. That should be enough, right?"Me: "Let me show you something." I opened my calculator. 5 minutes later, Arjun's face...
2 months ago • 4 min read
Ritesh Sabharwal CFP® W.M.W #21: Your ₹1 Cr retirement money lasts only 11 yrs... Reading time: 5 minutes - November 8, 2025 ↓ Hey Reader Last month, my friend Karthik told me he's on track to retire with ₹1 crore. Karthik: "I've been saving for 15 years. ₹1 crore should be enough, right?"Me: "For how many years?"Karthik: "What do you mean? That's ₹1 crore. It's a lot of money."Me: "Let me show you something." I opened my calculator and ran the numbers. 3 minutes later, Karthik was stunned....
3 months ago • 3 min read
Ritesh Sabharwal CFP® W.M.W #20: Same policy. ₹2,000 cheaper. Here’s how Reading time: 5 minutes - November 1, 2025 ↓ Hey Reader Here's something that happened to my friend last week: "I'm renewing my car insurance. My agent quoted ₹15,000 for Tata AIG. But I found the same policy on Tata Neu app for ₹13,000. Should I buy online or stick with my agent?" His agent immediately warned him: "Don't buy online! When you file a claim, the surveyor will take weeks. I can get things done faster."...
3 months ago • 5 min read