Article library
Articles
Everything we have published, newest first.
How compound interest actually works
A plain explanation of compounding, with the maths shown step by step so you can check the numbers yourself.
Building an emergency fund in six months
A staged approach to building a cash buffer, and how much is actually enough.
Understanding what moves your credit score
The five factors that influence a credit score, and which ones you can actually control.
How lenders decide your loan eligibility
Income stability, existing obligations and credit history decide your loan far more than the amount you ask for.
Term insurance vs endowment plans
Term cover buys protection. Endowment plans bundle a small cover with a low-return savings product. Mixing the two rarely helps either goal.
Understanding tax deductions before you file
A deduction lowers the income you are taxed on. A rebate reduces the tax itself. Confusing the two leads to surprises.
How much you need to retire comfortably
Your target is a multiple of your annual spending, not a round number. Start from what you actually spend, then adjust.
Reading a mutual fund fact sheet
The expense ratio and the benchmark tell you more about a fund than last year's return. Learn what to look at first.