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Explained: How the 8-4-3 rule of compounding can help you reach Rs 1 crore sooner
Disciplined investing and compounding accelerate wealth growth towards a Rs 1 crore corpus. The 8-4-3 rule demonstrates how initial investments grow significantly over time. Higher investment returns and frequent compounding periods reduce the time needed to reach financial goals. Starting early and investing consistently maximizes the benefits of compounding for wealth accumulation. Time is a crucial advantage, allowing investments to multiply substantially with regular contributions.
Home loan EMI, amortisation and prepayment- The mathematics every borrower in India must understand
Understanding home loan mechanics helps borrowers reduce total borrowing costs. The reducing balance method ensures interest decreases as the principal falls. Loan amortisation shows how EMIs gradually repay both principal and interest. Early prepayments significantly reduce total interest paid over the loan tenure. Repo rate changes impact floating rate home loans, influencing EMIs or tenure.
Wealth creators: 12 equity mutual funds turn Rs 1,000 SIP to nearly Rs 3 crore since their inception
Twelve equity mutual funds have turned a Rs 1,000 monthly SIP into more than Rs 1 crore since their inception, with the top performer generating a corpus of up to Rs 2.86 crore. The list spans seven fund categories, led by midcap and flexicap schemes.
Quote of the Day by Pythagoras: “The oldest, shortest words— "yes" and "no"— are those..." The timeless 2,500-year-old life lesson from the legendary Greek philosopher on intelligence, wisdom and words
Quote of the Day: The quote of the day by Pythagoras, “The oldest, shortest words— "yes" and "no"— are those which require the most thought, reveals why life's simplest answers often shape our biggest decisions. This timeless quote by Pythagoras explores the power of thoughtful choices, wise judgment, and knowing when to say "yes" or "no."
9 equity mutual funds multiply investors’ SIP investments by over 1.6x in 5 years. Do you own any?
Nine equity mutual funds multiplied investors’ SIP investments by more than 1.6 times over the last five years, led by small-cap and mid-cap schemes. Invesco India Midcap Fund topped the list with a 1.71x wealth multiplier and an XIRR of 21.66%.
In 1983, 'doomsday argument' predicted how many humans will ever live, now a study reveals when will human civilization be wiped off the face of the earth
Perhaps the greatest value of the doomsday argument lies not in predicting when humanity might disappear but in encouraging reflection on how humanity chooses to endure.
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52 equity mutual funds delivered over 100% returns in 5 years. Are any in your portfolio?
Around 52 equity mutual funds have delivered absolute returns of over 100% in the past five years, according to an ETMutualFunds analysis. Mid-cap funds dominated the top performers, led by Motilal Oswal Midcap Fund with a 169.84% return. The analysis covered 212 regular-plan, growth-option equity funds, excluding sectoral and thematic schemes, with all generating double-digit returns.
In 1955, a forgotten NASA pioneer began work that helped reach the edge of the Solar System — how Annie Easley’s journey from NACA to the iconic Cassini mission is inspiring America once again
Most people know the names behind the Moon landing. Few know Annie Easley. Yet her work helped shape America's space future. She joined NACA, the agency that became NASA, in 1955. As a mathematician and computer programmer, she solved complex problems that supported advanced rocket systems. Her contributions later connected to missions like Cassini, which explored Saturn. Today, Annie Easley's NASA story is inspiring a new generation to dream bigger.
Quote of the day by Carl Friedrich Gauss: “No contradictions will arise as long as finite man does not mistake the infinite for...” — Inspiring life lessons on wisdom, intellectual humility, critical thinking, curiosity, lifelong learning, and why letting go of fixed beliefs can transform the way we understand life by the legendary German mathematician known as the Prince of Mathematics
Today's Quote of the Day by Carl Friedrich Gauss reminds us that human knowledge has limits, and wisdom begins when we recognise those limits instead of pretending to know everything. The quote encourages intellectual humility, curiosity, and the courage to question our assumptions rather than cling to certainty. In a world overflowing with information, Gauss's timeless insight teaches that confusing our limited understanding with absolute truth often leads to misunderstanding and conflict.
US cholesterol guidelines: Why 21.5 million more Americans may now qualify for statins as doctors shift to lifetime heart disease risk
US cholesterol guidelines statins: New US cholesterol guidelines could make 21.5 million more Americans eligible for statins by shifting the focus from a 10-year heart attack risk to 30-year and lifetime cardiovascular risk. Here's what has changed, who may now qualify, and what doctors say before starting cholesterol-lowering medication.
Senior citizen FD rates 2026: Use an FD calculator to maximise your retirement returns
Senior citizens can earn up to 7.75% p.a. on Bajaj Finance fixed deposits. An online calculator helps estimate maturity amounts for retirement planning. These deposits offer additional benefits for investors aged sixty and above. The highest safety ratings ensure timely payment of interest and principal. Booking a senior citizen fixed deposit online takes under ten minutes.
Bank of India Small Cap Fund among 21 equity MFs delivering over 20% SIP XIRR in one year
Around 21 equity mutual funds delivered over 20% XIRR on SIP investments over the past year, an ETMutualFunds analysis found. Small-cap funds dominated the list, with the top seven all belonging to the category and five generating over 30% XIRR. Bank of India Small Cap Fund topped the rankings with a 39.08% XIRR, turning a Rs 10,000 monthly SIP into around Rs 1.43 lakh.
Planning for your child's higher education? Deepak Shenoy shares a roadmap to build over Rs 1 crore corpus
Rising education costs necessitate early financial planning for parents. Disciplined investing and compounding can build a substantial education corpus. A bachelor's degree costing Rs 10 lakh today could exceed Rs 40 lakh annually in 18 years. Starting investments early significantly reduces monthly contribution requirements. Strategic shifts to debt investments mitigate market risks before college.
Study abroad is getting harder & India is getting smarter about it
New US immigration rules, rising costs and tighter visa pathways are reshaping the study-abroad equation for Indian students. As global universities establish campuses in India under NEP 2020, the article argues that India is emerging as a credible destination for world-class education, allowing students to access international degrees without leaving the country.
Why compact SUVs continue to dominate Bengaluru's used car market
Bengaluru buyers favor compact SUVs due to city roads and monsoon conditions. These vehicles maintain their value better than sedans in the used car market. Hyundai Creta, Maruti Brezza, and Tata Nexon are popular pre-owned choices. Buyers meticulously analyze total ownership costs before making purchase decisions. Electric compact SUVs may gain traction as charging infrastructure develops.
What is Dhanush artillery gun? Indigenous 155mm howitzer whose delay has drawn PAC’s criticism
The Public Accounts Committee criticized the Ministry of Defence for procurement delays. This resulted in the Army using aging Bofors guns for decades. The Dhanush artillery gun, an upgraded Bofors version, was finally inducted in 2022. The committee highlighted structural shortcomings in the defense acquisition system. The Army now plans to order 300 more Dhanush howitzers.
EPF calculator: How much PF corpus can you generate with Rs 25,000 basic pay and 30 years of service?
An Employees Provident Fund subscriber could accumulate over Rs 1.12 crore in 30 years. This significant corpus is projected with a Rs 25,000 monthly salary and an 8.25% interest rate. The total contributions amount to Rs 33.26 lakh, while interest earned reaches Rs 78.49 lakh. Compounding interest plays a crucial role in this substantial wealth accumulation over time.
Ankur Warikoo went from earning Rs 14,746 a month to Rs 33 LPA in 5 years. He says it started with a leap of faith
Ankur Warikoo reflected on how he went from earning Rs 14,746 a month at 24 to Rs 33 LPA by 29. After dropping out of a PhD in the US, he landed his first job, pursued an MBA at ISB despite taking a major loan, and overcame interview setbacks to secure a consulting role. Warikoo credited his success to people believing in him, adding that when others bet on you, you should bet on yourself.
Explained: Thinking about building a Rs 1 crore corpus? Here's how much you should invest through SIPs
Many investors do not know the exact monthly SIP needed for their financial goals. Excel's PMT function helps calculate the required investment amount for future targets. Investors must first determine their target corpus and the desired time frame for accumulation. Accounting for inflation is crucial to adjust the financial goal's future value. This calculation ensures investors can effectively reach their desired corpus through systematic investments.
Is government launching minimum pension scheme for all citizens? Ministry responds in Parliament
Parliament heard that the government has no minimum pension scheme plans. The Code on Social Security, 2020, aims to extend benefits to unorganized workers. This code also provides for setting up a Social Security Fund. The Employees' Pension Scheme, 2026, is a pooled fund for eligible workers. Unclaimed EPF amounts in inoperative accounts totaled over Rs 9330 crores.
In 1909, the Eiffel Tower was set to be demolished. Here's how a radio saved the world's most-visited monument
The Eiffel Tower was initially intended for demolition after twenty years. Its creators faced significant opposition from artists and writers. Gustave Eiffel transformed the tower into a scientific laboratory and radio antenna. This strategic military and scientific asset secured its permanent future. Radio technology ultimately saved the iconic Parisian landmark from destruction.
Warren Buffett, Isaac Newton and the fourth law of money
Somewhere between what your investments earn and what you actually keep, a portion goes missing every year. It is charged by nobody you could name and appears on no statement you will ever receive. Warren Buffett worked out where it goes, why almost no investor escapes it, and how large it has quietly become. He then reduced the whole thing to a single law of motion that Isaac Newton, who lost a fortune in the markets, never got around to discovering.
Consistent performers: 41 equity mutual funds deliver over 15% CAGR in 3 and 5 years
Around 41 equity mutual funds delivered more than 15% CAGR over both three- and five-year periods. Bandhan Small Cap Fund led three-year returns at 25.95%, while Motilal Oswal Midcap Fund topped the five-year chart at 21.64%.
Bengaluru's ancient rock older than dinosaurs and Himalayas: 3.4-billion-year-old Peninsular Gneiss in Lalbagh is among Earth's oldest exposed crust; formed before oxygen
Inside Bengaluru's Lalbagh Botanical Garden stands a rock formation estimated to be between 3.0 and 3.4 billion years old, making it one of the oldest exposed sections of Earth's crust. Declared a National Geological Monument in 1975, the Peninsular Gneiss outcrop formed during the Archean Eon, long before oxygen, himalays, or even dinosaurs existed on the planet.
No SSI payment in August 2026? Here's why millions of Americans won't receive a Social Security check next month—an important reason every recipient should know
Millions of SSI recipients are searching for answers about the August 2026 SSI payment schedule after learning there will be no regular SSI check during August. The reason is a calendar change, not a benefit cut. The Social Security Administration (SSA) will send the August SSI payment early on July 31, 2026, because August 1 falls on a Saturday.
EPFO 3.0: Government plans new pension scheme for formal and unorganised sector workers, claims report explaining how it will work
The government is planning a new pension scheme under the EPFO 3.0 framework. This new plan aims to provide retirement benefits to workers in both formal and unorganised sectors. Members will build a retirement corpus through regular contributions invested in government-backed assets.
Reliance Retail details blueprint to double operating EBITDA in three-year plan
Reliance Retail plans to double its operating EBITDA over three years. The strategy involves aggressive scaling and refined unit economics for profitability. Fiscal year 2027 focuses on online capability scaling and operational discipline. Later years will emphasize value conversion and higher-margin private labels. Sophisticated monetization and capital strictness will drive efficiency and cash generation.
Karnataka comes up with draft apartment law to mandate safety audits, streamline ownership
Karnataka has unveiled a draft bill to modernize apartment ownership and management laws. This legislation aims to replace outdated acts and improve urban housing governance. It mandates structural stability checks for older apartment buildings every five years. The bill also introduces a dispute resolution mechanism and clarifies undivided share calculations. Public suggestions are invited before the finalization of this important new law.
Karnataka govt unveils new apartment bill to safeguard property owners' interests
Karnataka unveiled a new bill to replace outdated apartment ownership laws. This legislation aims to protect owners' rights and streamline complex management. It will apply to projects with over eight units and establish a competent authority. The bill mandates structural checks and offers dispute resolution mechanisms. Redevelopment will require owner consent and fair compensation for all parties.
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