GST registration for freelancers is one of the most misunderstood tax rules in India. Many independent professionals believe GST applies only after earning ₹20 lakh, but this assumption often leads to penalties, notices, and compliance issues. The government views you as a service provider if you work as a freelancer, consultant, designer, developer, writer, marketer, … Read more
Every serious investor in India has one question when it comes to retirement planning. Which offers a higher long-term pension IRR: NPS or mutual funds? The solution is more complicated than advertising brochures suggest. In addition to returns, the pension’s internal rate of return is influenced by taxes, lock-in regulations, annuity terms, and post-retirement flexibility. … Read more
Central banks have been purchasing gold at a rate not seen in decades all across the world. Official reserves are switching from paper assets to actual gold from Asia to Eastern Europe. It’s not noise. Although central banks move slowly, their collective actions typically indicate deeper worries about geopolitical risk, persistent inflation, and currency stability. … Read more
The “Best gold ETF 2025” is the most searched investment query as gold prices surge toward $4,478, prompting investors to reconsider how to gain gold exposure before 2026 without overpaying or taking unnecessary risk. Gold at $4,478 is no longer a far-off prediction that only international banks contemplate. As inflation uncertainty, geopolitical concerns, and currency threats change … Read more
Sovereign Gold Bond vs Physical Gold is one of the most searched comparisons among Indian investors looking for the best 8-year IRR and tax-efficient gold investment.To provide you with a data-rich, tax-adjusted response, we back-tested real RBI prices, current SGB trading on the NSE, and bullion buy-sell spreads. Indian households have historically relied on gold … Read more
A 1% fee difference between Direct and Regular mutual funds may not seem like much at first. Many investors disregard it because they believe profitable returns will offset the expense. The actual situation is somewhat different. Through the force of compounding, this annual 1% deduction quietly reduces your wealth, working against you rather than for … Read more
Inflation at 8 % makes “guaranteed” returns look sick.We ran the same ₹1.5 lakh 80C contribution through ELSS, PPF, and VPF for 15 years, real-inflation adjusted, and the winner beats the others by 280 bps.Below: a live calculator that spits out the real IRR the moment you change inflation or increment assumptions. 5. Quick Takeaways … Read more
Best index fund SIP 2025 beat 92% of active large-cap funds in the last 5 years. Below you’ll find the top 7 direct plans, their 1-, 3-, and 5-year CAGRs, expense ratios, and a free Google Sheet calculator to project your 2030 corpus. Index fund SIP 2025 has emerged as the preferred investment choice for … Read more
The Section 80D deduction limit for AY 2025-26 lets you pay zero tax on health insurance premiums—save up to ₹25 000 (₹50 000 for senior citizens) every year. Below you’ll find the latest limits, eligible expenses, and a free Excel calculator. Section 80D deduction limit AY 2025-26 is ₹25 000 (₹50 000 for senior citizens). … Read more
Freelancer budget planning is essential in India because income is irregular and taxes are not deducted automatically. A proper freelancer budget helps track monthly earnings, control expenses, and plan tax savings without stress or guesswork. Freelancer budget planning made simple for India. Learn how freelancers can manage income, expenses, and tax savings with practical budgeting … Read more
