Tax-Loss Harvesting in India
How tax-loss harvesting works for Indian shares and funds, set-off and carry-forward basics, a worked example, the same-day trap, and when it is not worth doing.
TheFinBaba Blog
Guides on Algo Trading, Python & Stock Market
Practical, expert-written guides on algorithmic trading with Python, Demat accounts, F&O strategies, taxation, and everything else Indian traders care about.
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EPF Explained: The Employees Provident Fund
How EPF contributions, the pension portion, interest, UAN, transfers on job change, withdrawals, VPF and tax work, and where EPF fits in your long-term plan.
52-Week High and Low: What They Tell You, and What They Don't
What 52-week highs and lows are, why traders and investors watch them, the anchoring trap, why a stock at its low is not automatically cheap, and how to use them.
Direct vs Regular Mutual Fund Plans
How direct and regular mutual fund plans differ, why the expense ratio gap compounds over decades, who regular plans may still suit, and how to switch sensibly.
Step-Up SIP: Raising Your Investment as Your Income Grows
How a step-up SIP works, worked 20-year comparisons with flat and rising instalments, how to choose a step-up rate, and how to set it up without overstretching.
Moving Averages Explained
How simple and exponential moving averages are calculated, which periods traders watch, what crossovers mean, why the lines lag, and how to use them sensibly.
Public Provident Fund (PPF): How It Works and Where It Fits
How the Public Provident Fund works, how interest is credited, the long lock-in, extensions, liquidity options, and where PPF fits alongside equity investing.
XIRR Explained: Measuring Your Real Returns
Why absolute return misleads, how CAGR and XIRR differ, worked SIP examples, how to calculate XIRR in a spreadsheet, and common mistakes when judging returns.
New Fund Offer (NFO): What It Is and When It Makes Sense
What a mutual fund NFO is, why a Rs 10 unit price is not a bargain, why fund houses launch them, what to check before investing, and when an NFO makes sense.
Mutual Fund Overlap: When More Funds Mean Less Diversification
What mutual fund overlap is, why it happens, how to check it from factsheets, how much is too much, and how to consolidate without unnecessary tax or exit loads.
How Much Health Insurance Cover Do You Need?
How to size health insurance cover, individual versus family floater, super top-ups, the clauses that cut claims, and why your own policy matters.
Financial Independence and Early Retirement in India
What financial independence means in practice, how to estimate the number in India, why savings rate matters most, the risks early retirees face, and partial routes.