Personal loans for shares, margin funding, loans against your portfolio and F&O all magnify losses in a flat market. The leverage maths, SEBI’s F&O loss studies, and what to do if you have already borrowed.
Need money while your mutual funds are down? The honest maths of selling at a loss versus taking a loan, the break-even return a loan demands, and when each option makes sense.
How many months of expenses to keep before investing, a worked example for a salaried professional, where to park the money (savings, sweep-in deposits, liquid funds) and why the fund matters most in a flat market.
A red SIP is not by itself a reason to stop. Here is the maths of rupee cost averaging in a flat market, what AMFI data show other investors doing, and five questions to ask before you pause, stop or continue.
How “guaranteed return” WhatsApp groups, fake trading apps, pump-and-dump tips and fake recovery agents work, the red flags, how to verify a broker or UPI ID with SEBI tools, and what to do in the first hours if you have paid.
The Nifty 50 has gone roughly nowhere since September 2024. Here is what a time correction is, what India’s 1994, 1999 and 2007 flat phases looked like, and what investors who came through them tended to do.
Why a two-year SIP can be in the red even when the index is only slightly down, what absolute return, CAGR and XIRR each tell you, a worked example with break-even maths, and how to calculate XIRR yourself.
How salaried Indians can split savings between cash, EPF/PPF and other debt, equity and gold by goal and timeline, why rebalancing matters in a flat market, and where loans do and do not fit.
Should spare money go to your SIP or your loans? Why clearing credit card and loan-app debt that costs 20%+ a year is a guaranteed, tax-free return the market rarely beats, with a worked example and a simple priority order.
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