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Retirement Planning Is Not Just for Salaried People: The Growing Trend Among Self-Employed and Small-City Households

Retirement Planning Is Not Just for Salaried People: The Growing Trend Among Self-Employed and Small-City Households

by Nilesh Rathva | Oct 24, 2026 | Awareness

Imagine a 38-year-old shop owner in a growing Indian city. The shop is doing reasonably well. Some months bring strong sales, while other months are slower. The family has regular expenses, children’s education to think about, a home loan to manage and unexpected...
Doctor Loses ₹3.52 Crore in an IPO Scam: Warning Signs Every Investor Should Know

Doctor Loses ₹3.52 Crore in an IPO Scam: Warning Signs Every Investor Should Know

by Nilesh Rathva | Oct 13, 2026 | Awareness

When the Profits Look Real, but the Money Is at Risk Imagine opening an investment app and seeing your money grow. Initially, you invest a small amount. The platform shows a profit, and you successfully withdraw some money. You begin to trust the platform. Later, you...
When RBI Drains Liquidity, What Happens to Your Debt Investments?

When RBI Drains Liquidity, What Happens to Your Debt Investments?

by Nilesh Rathva | Sep 25, 2026 | Awareness

Imagine checking your debt investment one morning and noticing that its value has moved even though the underlying investment is supposed to be relatively stable. You may wonder: “Why did this happen? The company hasn’t defaulted. The government hasn’t...
Being Young Does Not Automatically Mean You Should Invest 100% in Equity

Being Young Does Not Automatically Mean You Should Invest 100% in Equity

by Nilesh Rathva | Sep 4, 2026 | Awareness

A 25-year-old investor asks: “I am young and have a long investment horizon. Shouldn’t I put all my money into equity?” At first, the answer may sound obvious. Young age means more time. More time means more ability to recover from market volatility. Therefore:...
Is Your Investment Portfolio Aligned With Your Risk Profile—or Just Chasing Returns?

Is Your Investment Portfolio Aligned With Your Risk Profile—or Just Chasing Returns?

by Nilesh Rathva | Aug 14, 2026 | Awareness

“If the market falls 30%, will your portfolio still let you sleep peacefully?” That is a very different question from: “How much return can my portfolio generate?” Consider two investors. Rahul is 25. He has a stable income, no immediate financial commitments, and a...
Will LTCG Tax Be Removed? Finance Ministry Finally Answers

Will LTCG Tax Be Removed? Finance Ministry Finally Answers

by Nilesh Rathva | Jul 31, 2026 | Awareness

Rajesh had been investing regularly in equity mutual funds and shares for several years. One morning, while scrolling through financial news, he came across social media posts claiming that the government was planning to abolish the Long-Term Capital Gains (LTCG) tax....
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