The essentials of investing, explained the NIVO way: direct, honest, sixty seconds each.
Tap a card to see what it actually means.
A fixed amount invested every month. Volatility stops being your enemy: you buy more units when markets fall.
Know more →The per-unit price of a fund. A ₹10 NAV isn't 'cheaper' than ₹500. Percentage growth is all that matters.
Know more →The annual fee built into every fund, already adjusted in the returns you see. Know it. Don't obsess over it.
Know more →Your true personal rate of return across all SIPs, top-ups and withdrawals. The only number worth comparing.
Know more →A small charge for leaving a fund too early, typically 1% within the first year of an equity fund.
Know more →The tax-saving mutual fund. Three-year lock-in, the shortest of any tax-saving investment.
Know more →The reverse of a SIP: a fixed monthly income drawn from your corpus. Your retirement paycheck.
Know more →How much you hold in equity vs debt decides more of your outcome than fund selection ever will.
Know more →Returns earning returns. The last few years do most of the work, and they only pay you if you stay.
Know more →Your capacity plus your temperament. A portfolio that costs you sleep is the wrong portfolio, whatever it earns.
Know more →Missing just the 10 best days in a decade can cut equity returns dramatically, and they tend to sit right next to the worst ones. Time in the market beats timing it.
Ten overlapping funds isn't diversification, it's clutter. Five thoughtful funds usually cover everything a portfolio needs.
A SIP starts at ₹500 a month. The habit matters far more than the starting amount; the amount can grow with you.
In-depth articles on mutual funds, tax, retirement and the behaviour of money are on their way. The short cards above will always stay current in the meantime.