Personal Finance
9 comparison guides
Investment options, savings strategies, insurance decisions, and major purchase comparisons.
Finance 5 min Buying Car vs Investing
A car is a liability that depreciates the moment you drive it out. We calculate the 'true cost' of ownership (fuel, insurance, maintenance) versus the opportunity cost of investing that capital.
Finance 7 min Credit Card vs Debit Card
Debit cards spend your money; Credit cards spend the bank's money (for 45 days). We explain how to use credit to build a CIBIL score without falling into the 'minimum due' trap.
Finance 10 min Fixed Deposit vs Mutual Funds
FDs offer safety, but inflation offers a guarantee of loss. We compare the post-tax real returns of Fixed Deposits vs Debt Mutual Funds and why 'safe' doesn't mean 'profitable'.
Finance 10 min Mutual Funds vs Stocks
Are you a driver or a passenger? We analyze the time commitment of direct stock picking vs the 'fill it and forget it' approach of Mutual Funds. Learn when to take the wheel yourself.
Finance 5 min Renting vs Buying Home
In Mumbai, rent is 2% of property value; EMI interest is 8%. We analyze the 'Rent + SIP' strategy vs the emotional security of buying a home. Do the math before you commit to a 20-year loan.
Finance 6 min Saving vs Investing Money
Saving preserves money; investing grows it. We look at the 'Saver's Penalty' caused by inflation and the 7 rules of thumb to transition from hoarding cash to building wealth.
Finance 9 min Sip vs Lumpsum Investment
Mathematically, Lumpsum wins. Psychologically, SIP wins. We break down the 'market timing' risk and why a boring SIP is the best antidote to your own greed and fear in a volatile market.
Finance 8 min Stock Market vs Real Estate Investment
Real Estate requires ₹50L+ and weeks to sell. Stocks start at ₹500 and sell in seconds. We compare liquidity, entry barriers, and why 'land always goes up' is a dangerous half-truth.
Finance 6 min Term Insurance vs Endowment Policy
Don't mix insurance with investment. We do the math on 'Buy Term, Invest the Rest' vs traditional Endowment plans. See how separating them saves you lakhs over 20 years.