FINguide Buddy

  Overnight Funds vs Liquid Funds: Which Is Better for Short-Term Money? There comes a time in every investor’s life when safety becomes more important than returns . A salaried person may face this while waiting for an EMI to get deducted. A business owner may experience it when cash remains idle between billing cycles. Even long-term investors park money temporarily before entering the market in stages. That’s where the discussion around overnight funds vs liquid funds begins. Both options have gained popularity as alternatives to fixed deposits for short-term needs. While they may look similar at first glance, the way they work — and who they are meant for — is quite different. Through this blog, Finguide Buddy aims to help you clearly understand these differences so you can make the right choice for your short-term financial planning. What Is an Overnight Fund? To understand an overnight fund, the most important thing is its very short investment period . O...

📌 Why choose a Combo of Gold & Silver instead of Pure Gold or Pure Silver Funds? Timing gold and silver perfectly is extremely difficult — every year one performs differently than the other.  So instead of trying to guess which metal will outperform, let your investment benefit from both. ✨ A Gold + Silver Combo Fund offers smarter diversification Because the Fund Manager actively adjusts the allocation between Gold ETFs and Silver ETFs based on: 🔹 Macroeconomic indicators 🔹 Technical trends 🔹 Fundamental analysis So your portfolio automatically gets higher exposure to the metal with better potential — without you having to track the markets. 💡 Bottom line: Rather than taking the risk of investing in only Gold or only Silver, choosing a Combo Fund helps balance risk and enhance return opportunities over time. 📍 Invest smart. Choose Gold + Silver Combo Fund. Let experts manage the allocation — and you enjoy stability + growth. 📞 Call: 9891645052 Let’s work together to bui...

  FAQs – Role of Finguide Buddy- Mutual Fund Distributor & Transaction Safety 1. What is the role of Finguide Buddy? Finguide Buddy acts as a Mutual Fund Distributor . Our role is limited to facilitating mutual fund transactions , assisting investors with onboarding, KYC, access to platforms, and providing scheme-related information. Finguide Buddy does not manage investments, does not control investor funds, and does not assure returns .  2. Does Finguide Buddy receive or hold my money? No. As per AMFI guidelines, a Mutual Fund Distributor must not receive or hold investor funds . All payments are made directly by the investor through authorized platforms , and not to Finguide Buddy.  3. How are mutual fund transactions processed? Mutual fund transactions are executed through recognized and regulated transaction platforms , including exchange-linked systems. Once the investor makes the payment, the amount is routed directly to the respective Asset Management Company ...

  Wealth creation is not about reacting — it’s about discipline, patience, and long-term financial planning. This image captures three powerful yet simple principles every mutual fund investor should remember while building long-term wealth. 👉 Don’t ask for the “best mutual fund.” There is no single best fund for everyone. The right mutual fund depends on your financial goals, investment horizon, risk profile, and asset allocation . Goal-based investing always works better than chasing past returns. 👉 Don’t listen to media hype. Daily market news, trending stocks, and short-term predictions can create unnecessary fear or excitement. Successful investing requires staying focused on long-term SIP investments , not reacting to noise. 👉 Don’t check Sensex daily. Markets move every day, but wealth is created over years. Frequent monitoring often leads to emotional decisions. Staying invested allows compounding in mutual funds to do its job. The real secret lies in one simple...

  NPS Exit & Withdrawal Rules 2025: PFRDA Removes 5-Year Lock-in, Eases Norms The Pension Fund Regulatory and Development Authority (PFRDA) has notified the PFRDA (Exits and Withdrawals under the National Pension System) (Amendment) Regulations, 2025 , introducing significant changes to exit and withdrawal norms for NPS subscribers. The amendments are aimed at enhancing flexibility, improving liquidity at exit, and addressing practical concerns faced by subscribers, particularly in the non-government sector. Extended Investment Tenure up to Age 85 As per the amended regulations, an NPS subscriber is now permitted to remain invested in the system up to the age of 85 years , unless an exit option is exercised earlier. This provision allows subscribers to continue wealth accumulation for a longer period based on individual retirement planning needs. Revised Normal Exit Conditions Normal exit under NPS is now permitted upon: Completion of 15 years of subscription , or A...

In a major relief to millions of Non-Resident Indian (NRI) investors, the Securities and Exchange Board of India (SEBI) has officially relaxed the requirement of being physically present in India during re-KYC. This long-awaited move aims to streamline re-KYC for NRIs who struggled with compliance due to geographical constraints. As per the December 10, 2025 circular issued by SEBI, amendments have been made to the existing KYC framework under the Master Circular dated October 12, 2023 , specifically to simplify re-KYC for existing NRI clients . 🔍 What Triggered This Change? SEBI noted that it received multiple references from stakeholders requesting easier KYC access for NRIs. Since a large number of NRI investors maintain mutual fund, demat, PMS, and trading accounts in India, the earlier requirement of geo-tagging them within India during KYC created operational hurdles. To address this, SEBI has now modified the KYC conditions , making digital updates far more convenient....

 “Successful investing is about managing risk, not avoiding it.” The right way to invest is not to stay away from risk, but to handle it with a smart approach. Assess your risk profile, diversify your investments, stay disciplined during market volatility, and focus on long-term goals — that’s how risk turns into growth.

 📉 Losses Hurt More Than They Look! In investing, recovering from a setback isn’t as simple as it seems —because every loss demands a disproportionately larger gain to get back to even. 🔸 A 20% loss needs a 25% gain to recover 🔸 A 50% loss needs a 100% gain to recover 🔸 A 90% loss needs a 900% gain to recover That’s why protecting your capital is just as important as growing it. Big gains are rare — big losses can destroy wealth. 💡 The smartest move? Avoid big losses! Stay disciplined. Stay diversified. Stay invested wisely.

Retirement Without Worries: A Tale of Two Futures Have you ever imagined what your retirement will look like? Peaceful mornings… freedom to travel… no financial stress? Or constant worries about expenses and rising costs? The truth is—the future you get depends on the choices you make today. Even a small SIP can grow into a powerful retirement cushion through compounding. So ask yourself: 👉 Do I want independence or uncertainty? 👉 Comfort or compromise? Start your SIP today and choose the future where you retire with dignity, confidence, and complete peace of mind. Would you like assistance in calculating your retirement corpus? Call us at 9891645052 — we can help you estimate the amount you may need for retirement and provide information on suitable investment options based on your goals and risk profile. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

  How to Invest in Mutual Funds: A Simple Step-by-Step Guide Investing in mutual funds is one of the most accessible ways to build long-term wealth. For beginners, the process may seem overwhelming, but with a clear understanding of how mutual funds work and the steps involved, getting started becomes much easier. This guide explains the basics of mutual funds, how to invest in them, and the key points to remember before you begin. Mutual funds pool money from investors and invest in a diversified mix of securities such as equity, debt or hybrid instruments. These funds are managed by professional fund managers, which makes them suitable for individuals who prefer a structured and diversified investment approach. How to Invest in Mutual Funds – Step by Step 1. Define your financial goals Whether it's retirement, education, or long-term wealth creation, identifying your goals helps you select the right type of fund. 2. Know your risk profile Every investor has a different ...

  Is SIP Tax-Free? Understanding Taxation on SIP Investments A Systematic Investment Plan (SIP) helps you invest a fixed amount regularly in mutual funds. While SIPs themselves are not taxable, the returns you earn —capital gains or IDCW—are taxed at the time of redemption. Only one category, Equity Linked Savings Scheme (ELSS) , offers tax deductions under Section 80C (old regime) up to ₹1.5 lakh per year. Equity Funds: Each SIP instalment is treated as a separate investment. Short-Term Capital Gains (STCG) on units held for less than 1 year are taxed at 20% . Long-Term Capital Gains (LTCG) above ₹1.25 lakh per financial year are taxed at 12.5% without indexation. Debt Funds: For SIP investments made on or after 1 April 2023 , all gains are taxed as short-term and added to your income as per slab. Older investments (before 1 April 2023) held for 3 years qualify as LTCG with 12.5 % tax  without any indexation benefit. ELSS SIPs: Eligible for Section 80C deduction up...

 

SEBI Issues Caution on Investment in Digital Gold On November 8, 2025 , the Securities and Exchange Board of India (SEBI) issued a public caution regarding investments in “Digital Gold.” According to SEBI’s Press Release No. 70/2025 , several digital and online platforms have been offering “Digital Gold” or “E-Gold” investment options, often marketed as alternatives to physical gold. SEBI has clarified that such products do not fall under its regulatory purview and are not classified as securities or commodity derivatives. In contrast, SEBI-regulated gold investment avenues include: Gold Exchange Traded Funds (ETFs) offered by mutual funds, Exchange-traded commodity derivative contracts , and Electronic Gold Receipts (EGRs) traded on recognized stock exchanges. Investors are advised to exercise caution, as Digital Gold products may entail significant counterparty and operational risks. SEBI has also emphasized that investor protection mechanisms applicable to regul...

 

  📱 iPhone vs SIP – The Compounding Benefit Back in 2008 , when both were 20 years old, Aman and Rohan got their first jobs. Both earned similar salaries, but their choices were very different. Rohan – The Spender Every time a new iPhone or car was launched, Rohan bought it—sometimes even on EMI. From the first iPhone in 2008 to iPhone 17 in 2025, he never missed an upgrade. His money went into gadgets that lost value the moment they came out of the box. Aman – The Investor Aman had the same temptations but thought differently. Instead of paying EMI for gadgets, he decided: 👉 “I’ll invest ₹20,000 every month into a mutual fund SIP.” And he stuck to it, month after month, year after year. Even during tough times like the 2008 market crash or COVID, Aman never stopped his SIP. Fast Forward: 2025 (Age 37) Seventeen years passed. iPhone 17 has just launched. Rohan proudly bought it again, but his savings were close to zero. He had great photos, flashy gadgets, and cars—b...