Posts by Raju Sarivastava

ULIPs — Unit Linked Insurance Plans — are perhaps India's most controversially marketed financial products — regularly sold by insurance agents as superior wealth creation instruments that combine insurance protection…

Arbitrage funds are among India's most misunderstood yet most tax-efficient short-term investment instruments — offering returns broadly comparable to short-duration debt funds but taxed as equity mutual funds, creating a…

Hedge funds occupy the most exclusive and most misunderstood corner of India's investment landscape — mentioned frequently in financial media but genuinely accessible only to a tiny fraction of ultra-high-net-worth…

PPF and mutual funds are both essential components of a complete Indian financial plan — but they serve fundamentally different purposes and comparing them as direct alternatives misunderstands what each…

Every mutual fund scheme in India exists in two versions — regular and direct — yet most investors make their choice without fully understanding the financial consequences of that decision…

To be in business is to make your money earn you. The financial markets can offer you a real opportunity whether you are a startup that has surplus cash, or…

Why Looking Beyond Returns Is Where Smart Investing Begins When talking returns, people typically focus on numbers, such as growth charts, percentages, or yearly gains. However, it's not that easy…