Investment & Mutual Fund Blog
Practical guides by AMFI-registered advisor Naman Sonkhiya — Alwar, Rajasthan
LTCG Tax Harvesting: The Legal Loophole to Save ₹15,625 in Mutual Fund Tax Every Year
Learn how to execute LTCG tax harvesting under the new Budget 2024 rules. Reset your mutual fund cost basis and save up to ₹15,625 in taxes every year.
Read Article →ELSS vs PPF: The Ultimate 80C Tax-Saving Battle for Salaried Indians
ELSS vs PPF: Which is better for Section 80C? Discover the detailed math, updated July 2024 LTCG tax rules, and how to double your wealth.
Read Article →Asset Allocation: The Unsung Hero That Decides 90% of Your Portfolio Returns
Learn how asset allocation and portfolio rebalancing protect capital during corrections, featuring post-July 2024 mutual fund tax rates.
Read Article →Flexi Cap vs Multi Cap Mutual Funds: Which is Better for Core Portfolio Allocation?
Should you choose Flexi Cap or Multi Cap mutual funds? Discover the SEBI rules, post-July 2024 tax implications, and how to allocate your core portfolio.
Read Article →Small Cap Mutual Funds: How to Survive the Volatility and Build Multibagger Wealth
Learn how to navigate small cap mutual fund volatility, survive drawdowns, and handle AUM bloating. Expert advice from Limitless Capital.
Read Article →A Complete Guide to Sovereign Gold Bonds (SGB) vs Gold ETFs vs Physical Gold
An expert guide comparing Sovereign Gold Bonds, Gold ETFs, and physical gold post-Budget 2024. Understand returns, liquidity, slab taxes, and yield benefit
Read Article →Arbitrage Mutual Funds: High Safety with Equity Tax Treatment in 2026
Learn how Arbitrage Mutual Funds offer liquid-fund safety with low equity taxation (20% STCG / 12.5% LTCG) post-July 2024 budget. Ideal for short-term cash
Read Article →Equity Savings Funds: Tax-Efficient Alternative to FDs
Discover how Equity Savings Funds utilize arbitrage and debt to qualify for lower equity tax rates (12.5% LTCG) while keeping portfolio volatility low.
Read Article →Active vs Passive Mutual Funds in India: Which Wins in 2026?
Should you choose passive or active mutual funds in India for 2026? Limitless Capital breaks down SPIVA data, mid/small cap alpha, and post-July 2024 tax rules.
Read Article →Direct vs Regular Mutual Funds in India: Should You Really Go Direct Just to Save Commission?
Should you choose Direct vs Regular Mutual Funds? Discover the cost differences, post-Budget 2024 tax rules, and why DIY investing can sometimes backfire.
Read Article →Emergency Fund Planning in India: How Much to Keep in Savings, Liquid Funds, and FDs
Learn how to build and allocate a robust emergency fund in India using liquid funds, FDs, and savings accounts with expert tips from advisor Naman Sonkhiya
Read Article →Top 10 Mutual Fund Mistakes Indians Make and How to Avoid Them in 2026
Avoid the 10 most expensive mutual fund mistakes Indians make. Learn about the post-July 2024 tax rules, portfolio clutter, and how to invest in 2026.
Read Article →Systematic Withdrawal Plan (SWP) in Mutual Funds: Create Monthly Income Safely in India
Learn how a Systematic Withdrawal Plan (SWP) in mutual funds provides a tax-efficient, inflation-beating monthly income in India compared to FDs.
Read Article →Goal-Based Investing in India: How to Plan for House, Children’s Education, and Retirement
Unlock your financial potential with Naman Sonkhiya, AMFI-registered MFD. Learn step-by-step goal-based investing for buying a house, education, and retirement.
Read Article →Term Insurance + Mutual Funds vs ULIPs: The Ultimate Truth for Indian Investors
Naman Sonkhiya (ARN-286181) busts the ULIP myth. Compare Term Insurance + Mutual Funds vs ULIPs with exact math for Indian investors. Double your wealth!
Read Article →Liquid Funds vs Savings Account India
Liquid funds vs savings account in India: Learn how to grow your emergency fund or start an STP. Compare safety, taxation, and returns in our guide.
Read Article →Equity Ex-100 SIFs: Unlocking Massive Growth Beyond Large Caps
Equity Ex-100 SIFs: Unlock growth beyond large caps via concentrated mid/small-cap investing and advanced risk management under FY24-25 tax rules.
Read Article →Equity Long-Short SIFs: Advanced Alpha Generation in Indian Markets
Explore Equity Long-Short SIFs in India: an advanced strategy for alpha generation balancing long and short positions with a Rs 10 Lakh minimum ticket size.
Read Article →Hybrid Long-Short Specialised Investment Funds (SIF): Downside Protection for HNIs
Explore Hybrid Long-Short Specialised Investment Funds (SIFs) in India. Learn about downside hedging, multi-asset allocation, and the Rs 10 Lakh minimum investment.
Read Article →Multi-Asset Allocation Funds: Gold + Equity + Debt in One Fund for Indian Investors
Naman Sonkhiya explains Multi-Asset Allocation Funds for Indian investors — blending equity, debt, gold & silver in one fund with automatic rebalancing.
Read Article →Balanced Advantage Funds (BAF): Why Smart Indian Investors Love Them in Volatile Markets
Naman Sonkhiya explains why Indian investors choose Balanced Advantage Funds (BAFs) in volatile markets. Learn how BAFs dynamically manage equity-debt allocation.
Read Article →Hybrid Mutual Funds in India: The Complete Guide for 2026
Explore the complete guide to Hybrid Mutual Funds in India for 2026. Naman Sonkhiya explains all 7 SEBI categories, who they're for, and tax rules.
Read Article →FII Selling vs DII Buying: What It Means for Indian Investors in 2026
Confused by FII selling in Indian markets? Naman Sonkhiya explains how DIIs, fueled by ₹25,000 Cr+ monthly SIPs, are the new backbone. Learn what this structural shift means for your portfolio & wealth creation by 2026.
Read Article →Nifty 50 Correction 2026 Strategy
Navigating the Nifty 50 correction in 2026? Learn the expert strategy to protect and grow your portfolio during market dips. Read our 3-step action plan.
Read Article →Why You Should Double Your SIP When the Indian Stock Market Crashes
Learn why doubling your SIP during a stock market crash accelerates wealth creation. Understand Rupee Cost Averaging and how to buy the dip in Indian mutual funds.
Read Article →Rolling Returns vs CAGR vs Absolute Return: The Right Way to Evaluate Mutual Funds
Compare Rolling Returns vs CAGR vs Absolute Return to evaluate mutual fund consistency. Learn why rolling returns reveal the true performance of equity funds.
Read Article →Systematic Transfer Plan (STP) Guide 2026: How to Deploy Lump Sum Money Safely in Mutual Funds
Have a lump sum amount to invest? Learn how Systematic Transfer Plan (STP) protects your capital from market volatility by transferring money from Liquid Funds to Equity Funds systematically.
Read Article →PMS vs Mutual Funds: What High Net-Worth Indian Investors Need to Know
PMS vs Mutual Funds for Indian HNIs: A data-driven comparison of transparency, fees, customization & taxation. Is the ₹50L minimum worth the extra cost? Naman Sonkhiya explains.
Read Article →Alternative Investment Funds (AIF) in India: Complete Guide for HNIs in 2026
Explore Alternative Investment Funds (AIFs) in India for HNIs. Naman Sonkhiya demystifies Cat I, II, III, illiquidity premium, and tax implications for your ₹1 Crore investment.
Read Article →Specialised Investment Funds (SIF) in India: The New ₹10 Lakh Bridge Between MF and PMS
Naman Sonkhiya explains Specialised Investment Funds (SIF) in India: the new ₹10 Lakh bridge between MFs and PMS. Learn about SEBI's strict upfront lump sum rule (no STP), 25% unhedged shorting, and tax advantages.
Read Article →How to Do KYC for Mutual Fund Investment Online in India 2026
Naman Sonkhiya (ARN-286181) guides you through online Mutual Fund KYC in India, tackling Aadhaar OTP issues, PAN mismatches, and FATCA. Learn step-by-step for a smooth investment start.
Read Article →Lump Sum vs SIP Investing India 2026
Lump sum vs SIP investing in India for 2026: Which strategy wins? Learn when to use STP or invest one-time based on Nifty valuations. Read our analysis.
Read Article →Mid Cap vs Large Cap vs Small Cap Mutual Funds: Which is Right for You?
Confused about Mid Cap vs Large Cap vs Small Cap Mutual Funds? Naman Sonkhiya (ARN-286181) explains SEBI definitions, risk-return, and allocation by age group. Discover your ideal portfolio.
Read Article →What is NAV in Mutual Funds? Complete Explainer for Indian Investors
Understand Net Asset Value (NAV) in mutual funds, how it is calculated, cut-off timings, and why a lower NAV does not make a fund cheaper. Expert guide.
Read Article →ELSS Tax Saving Guide India 2026
Save up to ₹46,800 under Section 80C with our ELSS tax saving guide for India in 2026. Learn about the 3-year lock-in and growth potential. Read now!
Read Article →Best Mutual Funds for Beginners India 2026
How to choose the best mutual funds for beginners in India for 2026? Learn the 3 key metrics to build your portfolio safely. Read our expert guide now.
Read Article →NRI Mutual Fund Investment Guide: How to Invest from Abroad in India 2026
NRI Mutual Fund Investment Guide 2026: Learn how to invest in Indian mutual funds from abroad. Understand NRE vs NRO accounts, repatriation rules, US/Canada NRI restrictions, and DTAA benefits for your investments in India.
Read Article →How to Build a Retirement Corpus of ₹5 Crore with SIP in India
Learn how to build a ₹5 Crore retirement corpus with SIP in India. Naman Sonkhiya explains the math for starting at age 25, 30, 35, and shares a real-life client story.
Read Article →SIP vs PPF vs FD
SIP vs PPF vs FD 2026 comparison: Which is best for your goals? Compare safety, tax benefits, and inflation-adjusted returns in our complete guide.
Read Article →How to Save Tax with Mutual Funds: Complete Section 80C Guide India
Naman Sonkhiya (ARN-286181) guides you through tax saving with mutual funds in India. Learn about Section 80C ELSS, LTCG harvesting, and debt fund taxation.
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