Money guides

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

How to choose a SIP amount

Pick a sustainable monthly SIP from surplus cash flow—after emergency reserves and high-interest debt—then stress-test returns.

7 min · Aaru Wealth

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

How EMI works

Reducing-balance EMI, interest vs principal split, and why tenure changes total cost.

5 min · Aaru Wealth

Loan prepayment strategies

Tenure cut vs EMI cut, lump-sum timing, and questions to ask before prepaying.

6 min · Aaru Wealth

How much home loan can I afford?

Estimate loan size from income, existing EMIs and a FOIR-style EMI cap—then compare with the EMI for the property you want.

8 min · Aaru Wealth

Home loan tenure: EMI vs total interest

Why a longer home-loan tenure lowers EMI but usually raises lifetime interest—and how to compare 20 vs 25 years honestly.

6 min · Aaru Wealth

How to plan retirement in India

A simple framework: expenses, corpus, contributions, and stress tests—not product pitches.

8 min · Aaru Wealth

What is FIRE?

Financial Independence, Retire Early—definitions, math, and why assumptions dominate outcomes.

5 min · Aaru Wealth

How much retirement corpus might you need?

Translate monthly retirement expenses into a planning corpus using withdrawal-rate style assumptions—then reverse-solve the SIP.

8 min · Aaru Wealth

PPF basics

What PPF is for, how maturity illustrations work, and what to verify officially.

5 min · Aaru Wealth

NPS basics

How to think about NPS contributions and corpus projections without treating them as guarantees.

5 min · Aaru Wealth

FD vs RD

Fixed deposit vs recurring deposit—cash-flow fit, compounding, and how to compare quotes.

4 min · Aaru Wealth

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 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

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

Goal-based investing basics

Attach dates and amounts to money goals, then use reverse-SIP style tools—without treating any single projection as a promise.

7 min · Aaru Wealth