Investment

He attributes the affordability crisis to stagnant wage growth. “Salaries in India (on an average) have grown by 0.4% CAGR over the last 10 years,” he noted, calling the mismatch between income and asset prices unsustainable.

Updated : Jul 6, 2025

'Just convert to USD and see': Finfluencer says India’s 'best' investments are fake wins

Shrivastava argued that even highly educated Indians overlook a simple fact: a weakening rupee erodes real wealth. “If currency depreciates (compared to other currencies), it hurts you,” he said, adding that NRIs benefit from a stronger USD, as it boosts their buying power in India.

Analysts point to easy digital credit, stagnant wages, and status-driven spending as the core fuel.

Updated : Jul 6, 2025

'My bank balance dropped to ₹7 in 5 minutes': Viral post exposes crushing debt cycle of urban India

Across India’s urban middle class, a dangerous trend is accelerating: rising consumption, falling savings, and a credit system that enables—and quietly traps—millions in cyclical debt.

The solution? Focus on growth industries that create deflation through productivity—especially AI, automation, and deep tech. “Growth creates deflation,” he said

Updated : Jul 6, 2025

'Don’t buy the hype': Finfluencer says most investors are walking into a profit trap

He referenced forecasts showing global GDP growth at just 2.5% and India’s around 6.5%, which he called “not optimistic” given India’s low per-capita GDP base. “This 6–6.5% figure is not exciting from an investor’s lens.”

The outlook for gold in 2025 suggests a complex interplay between domestic factors and global trends.

Updated : Jul 5, 2025

Gold prices in India can soar to Rs 1 lakh in H2 2025: Report

India's gold prices, fuelled by Rupee depreciation and robust investment demand, may reach Rs 1 lakh per ten grams in H2 2025, despite global easing tensions.

Shares of Bank of India ended the day 2.28% lower at Rs 106.76 on the National Stock Exchange.

Updated : Jul 5, 2025

Higher rates and investment: Why Post Office Time Deposits are gaining over bank FDs in 2025

In 2025, Post Office Time Deposits are offering higher interest rates than most bank fixed deposits, drawing attention from investors seeking better returns and government-backed safety. While Post Office TDs provide unmatched security, banks continue to attract savers with greater flexibility in deposit terms and special benefits for senior citizens, leaving investors weighing the trade-offs between higher rates and added features.

Choosing between bank FDs and debt mutual funds should start with defining your investment goals.

Updated : Jul 5, 2025

Beyond fixed deposits: Are bonds a better bet for investors seeking higher returns, tax efficiency?

As interest rates evolve and markets shift, Indian investors are rethinking traditional fixed deposits for the debt portion of their portfolios. Bonds are emerging as an attractive alternative, offering the potential for higher returns, tax efficiency, and liquidity. Here’s how bonds stack up against FDs for those seeking smarter investment options in 2025.

While gold as a commodity—through ETFs, coins, bars, or sovereign gold bonds—can offer market-aligned returns, jewellery comes loaded with hidden costs and poor liquidity.

Updated : Jul 5, 2025

Think gold jewellery is a smart investment? Here’s the ₹67,000 truth no one tells you

As of July 5, 2025, 22K gold in India is priced between ₹6,200–₹6,400 per gram, and 24K gold between ₹6,800–₹7,000 per gram, depending on the city and the seller.

Sekhar defined this mindset as one that restricts ambition to small, tangible upgrades

Updated : Jul 5, 2025

'ACs and cars won’t make you rich': Portfolio manager slams middle-class goals in India

He warned that most people never build such a system, choosing instead to “hitch rides from others” or rely on fragile shortcuts. Worse, he said, some even end up promoting this “failing mindset” to others.

Even financial literacy programs, Joshi argued, often miss the mark by focusing on how to manage income rather than break free from it.

Updated : Jul 5, 2025

‘Indian schools teach you to be poor’: Analyst says middle class trained to obey, not build

He contends that while schools may cover budgeting and savings, they skip over essential tools of wealth-building—like entrepreneurship, negotiation, and investment.

Nikhil Aggarwal, Founder & Group CEO of Grip Invest

Updated : Jul 4, 2025

FDs, Bonds, SDIs: A guide to smarter fixed-income investing with Grip Invest’s Nikhil Aggarwal

After a $6.7 billion outflow in January due to global uncertainty, FPIs turned net buyers again, investing $2.1 billion in Indian debt in early June 2025

Bond funds, whether focused solely on government bonds or a mix of government and corporate bonds, carry market risk for your investments.

Updated : Jul 4, 2025

Looking for stable returns? Expert compares PSU bonds vs private bonds to find your best fit

Looking for stable returns but unsure whether to choose PSU bonds or private bonds? Financial planner Fakhre Alam explains the key differences in safety, returns, and risk between these two popular fixed-income options. Understanding these factors can help investors build a balanced, profitable bond portfolio tailored to their financial goals.

The returns from savings accounts in 2025 remain dismal. Major banks such as SBI are offering just 2.5% on savings deposits, while private players like ICICI, HDFC, and Axis offer a slightly higher—but still paltry—2.75%.

Updated : Jul 3, 2025

'Why parking money in savings accounts is costing you big': Expert on smart investment in 2025

Leaving money in savings accounts in 2025 could quietly erode your wealth, as low interest rates fail to keep up with inflation, warns CA Nitin Kaushik. Experts urge investors to move surplus funds into smarter options like liquid or overnight funds, offering better returns without compromising safety. Even small investments today can grow into significant wealth tomorrow through disciplined planning and compounding.

Approximately 82% of India’s taxpayers earn less than Rs 10 lakh a year, placing homeownership even further out of reach for the vast majority.

Updated : Jul 3, 2025

Is it that India’s middle class can never own homes? Expert shares why housing dreams are fast fading

Skyrocketing property prices and stagnant incomes are putting homeownership out of reach for India’s middle class, with some families facing decades-long waits to afford a basic home. Financial expert Sanjay Kathuria warns the housing dream is slipping away unless people rethink how they secure their financial future.

As per experts, over Rs 165 lakh crore worth of household gold remains unprotected from price volatility.

Updated : Jul 3, 2025

'India consumes 1,000 tonnes of gold a year, but...': Expert flags golden blind spot in risk management

Despite holding over ₹165 lakh crore in household gold, India remains dangerously exposed due to the absence of institutional gold price risk management. CA Aittreya R S warns this oversight threatens national wealth, economic stability, and global credibility. He urges the creation of Gold Risk Desks, particularly at GIFT City, to transform gold from a liability into a financial backbone.

Gold prices had risen due to the ongoing Iran-Israel war. This situation is causing significant ripples across the commodities market and broader economic metrics.

Updated : Jul 3, 2025

Have gold prices peaked — or has the rally just started? How to invest smartly in H2 2025

Gold prices have surged past the ₹1 lakh mark per 10 grams this year, propelled by escalating geopolitical tensions and shifting economic dynamics. As investors flock to the yellow metal for safety, experts are weighing in on the smartest ways to invest, with gold ETFs and mutual funds emerging as top recommendations.

Several equity funds have delivered impressive wealth creation over the past decade. Leading the pack, Quant Small Cap Fund achieved a stellar 26.62% CAGR via SIPs.

Updated : Jul 3, 2025

Crorepati formula: Start at 25 and end at 60 years with more than Rs 10 crore — Expert explains

Can you really become a crorepati by investing just Rs 10,000 every month? CA Nitin Kaushik says yes—and he’s got the numbers to prove it. Starting at age 25 could help you retire at 60 with over Rs 10 crore, thanks to the power of compounding.

Zerodha Fund House says that ETFs capture 13% of India’s Mutual Fund Industry, up from 7% in 2020, but India's ETF universe is still nearly 2% of all global ETFs.

Updated : Jul 2, 2025

India’s ETF AUM grows more than 5x in 5 years, retail folios surge 11x: Zerodha Fund House

The fund house says that ETFs capture 13% of India’s Mutual Fund Industry, up from 7% in 2020

Liquidity is a critical factor when choosing investments. FDs and NCDs do permit early exits, but investors might face penalties or reduced interest rates.

Updated : Jul 2, 2025

Think FDs are safe? You’ll be surprised what financial planners recommend Instead; check details

Choosing where to invest your money can be overwhelming with so many options like FDs, mutual funds, NCDs, real estate, and gold competing for your attention. Each has unique benefits, risks, and tax implications that could significantly impact your financial goals.

Education remains one of the largest expenses parents will face. Beyond academics, modern parenting often involves significant lifestyle costs.

Updated : Jul 2, 2025

Raising a child can cost up to Rs 85 lakh — Expert picks SIPs, PPF, Sukanya Samriddhi for set goal

The joy of bringing a child into the world can quickly be shadowed by the sheer cost of raising them in India. Financial advisor Siddhant Garg warns that nurturing a child from birth to adulthood could demand anywhere between ₹55 lakh and ₹85 lakh.

Small finance banks often deliver higher fixed deposit (FD) interest rates than traditional commercial banks, making them appealing for investors seeking better yields.

Updated : Jul 2, 2025

Looking for higher FD returns? Expert on why small finance banks are crushing the competition

Small finance banks are emerging as top choices for fixed deposits, offering higher interest rates than traditional banks. Investors, especially senior citizens, can benefit from attractive returns and flexible tenure options.

Housing isn’t spared either. “You take 80% home loan and an 8% personal loan just to pay registration tax,” the original post added.

Updated : Jul 2, 2025

'Don't buy cars, flats and plots': Car bill with 74% tax stirs middle class anger

The post was a reaction to another user who broke down his recent car purchase: a ₹13.02 lakh vehicle that incurred ₹5.86 lakh in GST and ₹3.78 lakh in road tax. “That’s ₹9.64 lakh in taxes—74% of the car’s cost,” he wrote. “No wonder most can’t afford cars in India.”

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Investment

'Just convert to USD and see': Finfluencer says India’s 'best' investments are fake wins

'My bank balance dropped to ₹7 in 5 minutes': Viral post exposes crushing debt cycle of urban India

'Don’t buy the hype': Finfluencer says most investors are walking into a profit trap

Gold prices in India can soar to Rs 1 lakh in H2 2025: Report

Higher rates and investment: Why Post Office Time Deposits are gaining over bank FDs in 2025

Beyond fixed deposits: Are bonds a better bet for investors seeking higher returns, tax efficiency?

Think gold jewellery is a smart investment? Here’s the ₹67,000 truth no one tells you

'ACs and cars won’t make you rich': Portfolio manager slams middle-class goals in India

‘Indian schools teach you to be poor’: Analyst says middle class trained to obey, not build

FDs, Bonds, SDIs: A guide to smarter fixed-income investing with Grip Invest’s Nikhil Aggarwal

Looking for stable returns? Expert compares PSU bonds vs private bonds to find your best fit

'Why parking money in savings accounts is costing you big': Expert on smart investment in 2025

Is it that India’s middle class can never own homes? Expert shares why housing dreams are fast fading

'India consumes 1,000 tonnes of gold a year, but...': Expert flags golden blind spot in risk management

Have gold prices peaked — or has the rally just started? How to invest smartly in H2 2025

Crorepati formula: Start at 25 and end at 60 years with more than Rs 10 crore — Expert explains

India’s ETF AUM grows more than 5x in 5 years, retail folios surge 11x: Zerodha Fund House

Think FDs are safe? You’ll be surprised what financial planners recommend Instead; check details

Raising a child can cost up to Rs 85 lakh — Expert picks SIPs, PPF, Sukanya Samriddhi for set goal

Looking for higher FD returns? Expert on why small finance banks are crushing the competition

'Don't buy cars, flats and plots': Car bill with 74% tax stirs middle class anger

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