Mutual funds
Buying, holding and paying for mutual funds, with the costs worked out in rupees.
- ₹10,000 a Month for 20, 10 and 5 Years: What Staying With a SIP Was WorthA ₹10,000 SIP in real large, mid and small cap funds over 20, 10 and 5 years: what it became, what stopping cost, and whether step-ups or buying dips helped.
- Pausing a SIP in a Fall: Nine Falls Since 2008, and What Pausing CostThe Nifty is 12% below its January 2026 peak, and a SIP started in October 2024 shows a loss. What pausing would have cost in each of the nine falls since 2008.
- Tax Harvesting Before 31 March 2027: The Year Shares Fell and Gold RoseA five-year SIP still holds ₹2 lakh of long-term gains even after the 2026 fall. How to book ₹1.25 lakh of it tax-free, why your recent losses are harder to use, and what to do with gold gains.
- You Do Not Need a Demat Account to Buy Mutual FundsMutual fund units are recorded against your PAN by the fund house. A demat account is optional, and skipping it costs nothing. How to buy without one.