Money guides
Clear explainers that pair with our calculators—examples and frameworks, not product pitches.
Investing
How SIP works
A plain-language explanation of Systematic Investment Plans, compounding, and what SIP calculators actually estimate.
6 min · Aaru Wealth
SIP vs lump sum
When staggered investing and one-time investing differ—and how to compare them without false precision.
5 min · Aaru Wealth
SIP for beginners
A starter checklist for first-time SIP investors in India—goals, amount, risk and common mistakes.
7 min · Aaru Wealth
XIRR explained
Why XIRR is useful for irregular investments and how it differs from a simple annualised return.
6 min · Aaru Wealth
How SWP works
Systematic Withdrawal Plans for income from a corpus—what to model and what can go wrong.
5 min · Aaru Wealth
Tax
SIP taxation basics (illustrative)
High-level overview of how equity-oriented mutual fund gains are often discussed—verify current Income Tax rules.
5 min · Aaru Wealth
Old vs new tax regime — how to compare
A practical way to compare regimes using your deductions—without treating a blog as tax law.
6 min · Aaru Wealth
Understanding take-home salary
Why CTC is not in-hand pay—EPF, professional tax, TDS and other common gaps.
5 min · Aaru Wealth
Loans
Retirement
Government schemes
Fixed income
Insurance
Term cover vs traditional life plans
How to think about pure protection versus bundled savings+insurance—without treating either as a tip.
6 min · Aaru Wealth
How much life cover? A simple framework
Human-life-value style questions to size cover—expenses, goals, debts—without inventing a one-size multiple.
7 min · Aaru Wealth
Health insurance planning basics
What to clarify before buying or upgrading health cover—without quoting premiums you haven’t verified.
6 min · Aaru Wealth
Stocks
Stocks vs mutual funds
When direct equity and mutual funds differ in effort, diversification and behaviour risk.
6 min · Aaru Wealth
Equity risk basics
What equity volatility means for goals, timelines and sleep-at-night money.
5 min · Aaru Wealth
Diversification basics
Why spreading risk across assets and holdings matters—and what diversification does not do.
5 min · Aaru Wealth
Wealth planning
Emergency fund basics
How to think about cash buffers before aggressive investing or aggressive prepayment.
5 min · Aaru Wealth
Asset allocation basics
Splitting money across equity, debt and other buckets based on goals and risk—not tips.
7 min · Aaru Wealth
Net worth and goal-based investing
Use a simple net-worth snapshot to prioritise goals, debt and investing surplus.
6 min · Aaru Wealth