Investing is the engine that turns a high savings rate into financial independence. These guides show you how to invest for FIRE in India – which instruments actually build wealth (equity index funds and mutual funds via SIPs), what role debt, EPF, PPF and NPS play, and how much to hold in each. You’ll learn the difference between index funds and active funds, how to think about asset allocation, and how your strategy should shift as you move from the accumulation phase to living off your corpus. Everything is framed for Indian markets, inflation and tax rules, with links to free SIP and withdrawal calculators so you can model your own portfolio and timeline.
You’ve been maxing out your NPS every year. The extra ₹50,000 deduction felt like free money, and your accountant nodded approvingly each March. Then one evening you run the numbers on your own early-retirement plan, aiming to walk away from your job at 42, and a cold thought hits you: you can’t touch a single … Read more
You’ve got ₹20,000 a month to invest. You open the app, tap “Mutual Funds,” and freeze. Forty funds stare back at you. Five stars, four stars, “Top Performer 2025,” last year’s chart-topper glowing green. Which one is the best? Here’s the thing nobody tells you at that screen: you’re asking the wrong question. The real … Read more
Meet Arjun. 38 years old, senior manager at a tech company in Bengaluru. ₹1.8 lakh a month, in-hand. He’s been “investing” for eleven years. He has a ₹25 lakh LIC endowment plan he took in his mid-twenties because his uncle insisted. A PPF account with ₹4.2 lakhs — contributions irregular, because life. A few mutual … Read more
