Thefynprint

SIFs are more than a returns story.

Tata Mutual Fund’s Titanium SIF combines long-short strategies across hybrid and equity portfolios.

We break down the strategy, net equity exposure, debt allocation, derivatives and covered calls and why investors should look at volatility, beta and risk management before looking at returns.

Story By: Vedant Vichare

Read the full story:
🔗tinyurl.com/4hhknn9h

#SIF #Investing #MutualFunds #PersonalFinance

2 days ago | [YT] | 11

Thefynprint

15% in six months. So why haven't we changed the portfolio?

Thefynprint's Core Global Portfolio has returned approximately 15% in rupee terms in its first six months.
Over the same period, the Nifty was down roughly 6%.

At first glance, those numbers look like something to celebrate.
But six months tells you very little about whether a portfolio designed for a 5-year-plus horizon is actually working.
So we looked beneath the headline return.

Roughly 10% came from dollar returns and 5% from rupee depreciation. Energy and US small-caps did well. Emerging markets lagged ACWI. Mining contributed nothing after a pullback.
And despite the 15% rupee return, the portfolio actually marginally underperformed ACWI and the S&P 500.
Yet we haven't changed the underlying allocation.
Why?
Because our decision to diversify away from extreme US mega-cap concentration was based on a multi-year thesis, not a six-month trade.
We're watching specific triggers, including US fiscal policy and developments in the Middle East, but we're deliberately avoiding reacting to every short-term market move.

Six months in, we break down what worked, what didn't, where the returns came from, why we're still underweight the US and what could make us change course.

Click on the link to read the full article on thefynprint.com:
tinyurl.com/yk5ay2vr

#GlobalInvesting #InternationalInvesting #ETFs #PortfolioDiversification #Investing

1 week ago | [YT] | 7

Thefynprint

You contribute to NPS every month. But that alone doesn't mean your NPS is optimised.
If your retirement money is going to remain invested for 20 or 30 years, how you invest inside NPS can matter enormously.

Active or Auto Choice?
75% equity or a more conservative allocation?
Scheme C or Scheme G for the debt portion?
Which Pension Fund Manager should manage your money?
And should you consider the newer MSF schemes that can go up to 100% equity?

These aren't minor choices.

For example, a salaried investor may already have significant fixed-income exposure through EPF and PPF. Automatically loading NPS with more government securities could leave the overall retirement portfolio far more debt-heavy than intended.
Then there's fund selection. The PFM topping the one-year return table isn't necessarily the one you should trust with your retirement money for decades.

And MSF adds a completely new dimension: potentially 100% equity exposure, but with a track record that only began in October 2025.

So how should you actually optimise NPS for a bigger retirement corpus?
Story By: Vedant Vichare

We break down Active vs Auto, E-C-G allocation, PFM selection and MSF in our complete NPS optimisation guide.
Click on the link to read the full article:
tinyurl.com/4u68jv5w

#NPS #RetirementPlanning #PersonalFinance #Investing

1 week ago | [YT] | 11

Thefynprint

Free September Webinars | Global Investing, Insurance, AI, EPF, REITs & Estate Planning | Thefynprint

Your financial decisions compound over time.
Where you invest.
How you insure yourself.
How you manage your PF.
How you use AI.
How you generate income from real estate.
And how you plan for your family's future.

This September, Thefynprint brings you a month of practical, expert-led webinars and conversations covering some of the most important areas of personal finance.

Registration details are available through the link below:
tinyurl.com/yw8antf9

This month's sessions:
📌 11 September — Global Investing
Choosing ETFs, UCITS & Index Funds
With Neil Borate
📌 18 September — Insurance
Before You Buy Insurance: Cover, Cost & Claims
With Ira Puranik
📌 19 September — AI
Guide to AI: What to Buy & How to Use AI
With Sandeep Khomne
📌 23 September — EPF
EPF Withdrawals: Why Claims Get Rejected & Fixes
With Ketan Das
📌 26 September — REITs
REITs: Build Income from Real Estate
With Pratik Dantara
📌 27 September — Delhi Meetup
Build Your Global Portfolio with LGT Wealth
With Neil Borate & Nikhil Advani
📌 29 September — Estate Planning
When, Why & How to Write Your Will
With Aparna Bhide

From choosing the right global investment vehicle to understanding insurance claims, navigating EPF withdrawals, exploring REITs and planning your legacy, these sessions are designed to provide practical insights you can apply to your own financial life.

Save the dates and join us this September.
Registration below:
tinyurl.com/yw8antf9

#PersonalFinance #Investing #GlobalInvesting #FinancialPlanning #Insurance #AI #EPFO #REITs #EstatePlanning #WealthManagement

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1 week ago | [YT] | 5

Thefynprint

REITs may be the missing middle in an Indian portfolio.

For years, investors have broadly thought in two buckets:
Equity → growth
Fixed income → stability
But REITs occupy an interesting space between the two.

In our conversation with Aashish Sommaiyaa, CEO of WhiteOak, we explored the newly launched WhiteOak Dividend Yield Fund and why the firm believes REITs deserve a permanent place in Indian portfolios.

The REIT index has historically shown less than half the volatility of the Nifty.
But this isn't simply a return story.

India's REIT market remains small relative to global markets, leaving significant room for development as commercial towers, warehouses, malls and data centres become increasingly institutionalised.

The fund also attempts to address some of the practical issues faced by direct REIT investors, including payout timing, distribution classification and diversification across the relatively small Indian REIT universe.

Are REITs India's missing middle between equity and fixed income?
We explore that question in the full interview.

Story By: Tishya Agrawal
Read the full article at thefynprint.com:
tinyurl.com/mwbxx9rn

#REITs #Investing #IndianMarkets #RealEstate #IncomeInvesting

2 weeks ago | [YT] | 13

Thefynprint

Your Provident Fund is one of the most important financial assets you build over your working life.

So when the rules around accessing it change, it's worth understanding what those changes actually mean for you.

EPFO 3.0 brings changes around PF withdrawals, contribution rules, digital systems and how members access their accounts.

But understanding the headlines isn't enough. The real question is: what changes for your PF balance, withdrawals and claims?

Join Ketan Das, Business Head | PF Expert, with Neil Borate, Co-founder, TheFynprint, for a practical guide to EPFO 3.0.

We'll cover:

What EPFO 3.0 is changing for PF members.
Key changes under the new EPF framework.
How the ₹15,000 wage ceiling fits into the new rules.
What has changed around PF withdrawals and access to your money.
New withdrawal categories and who they may affect.
What the 25% lock-in provision means in practice.
How new digital EPFO systems could affect claims, transfers and account access.
What is currently working, what isn't, and why some claims may be delayed.
The checks every PF member should make on their own PF account.

29th August | 11 AM | Online | Free

This is not a rule-reading session.

It's a practical guide to understanding what is changing, what may affect your PF and what you should do next.

Register Below:
tinyurl.com/35b7x544

#EPFO #ProvidentFund #PersonalFinance #RetirementPlanning #FinancialPlanning

2 weeks ago | [YT] | 3

Thefynprint

What if your insurance premiums could help pay for your next holiday? ✈️

Insurance is usually one of those unavoidable expenses that quietly leaves your bank account every year.
But some credit cards still reward insurance premium payments and the difference between cards can be significant. 👇

For example:
Tata Neu Infinity HDFC Bank Credit Card
5% NeuCoins on insurance payments through Tata Neu, capped at ₹2,000 per month.

PhonePe SBI Card SELECT BLACK
10% reward rate on eligible insurance payments through PhonePe, but capped at just ₹500 per month.

To know more read full article…

The catch?
Caps, payment channels, redemption value and milestone conditions matter.

A headline reward rate doesn't necessarily mean it's the best card for your insurance bill.
The right card depends on how much you pay, where you make the payment and how you actually redeem your rewards.

So, before your next premium payment, check whether your credit card can turn that expense into something useful.

Story By: Gopal Gidwani
Read the full comparison on thefynprint.com:
tinyurl.com/2zazmv5r

#CreditCards #PersonalFinance #CreditCardRewards #Insurance #MoneyTips

2 weeks ago | [YT] | 5

Thefynprint

Looking to invest in AI beyond the usual US stocks?
China has built an AI stack that increasingly looks like America’s. But the winners change depending on where you look. 👇
At the top, China is surprisingly strong.

Applications: WeChat AI, Doubao, Quark, Kling and Apollo.
Models: DeepSeek, Kimi, Qwen, GLM and MiniMax.

The infographic puts China broadly on par with the US across these two layers, helped by its huge domestic market and increasingly competitive open models.
The bottleneck sits lower down: compute.

China still lags the US in cloud infrastructure and advanced chips.

The US has Nvidia, AMD, Broadcom, TSMC and ASML in its ecosystem. China is building alternatives through Huawei, SMIC, Cambricon and others, but advanced compute remains the constraint.

There is one layer where China has an advantage: energy and generation capacity.
So how can an investor think about China’s AI opportunity?

Not as one company or one “China AI stock.”

Think in layers:
Broad tech exposure as the anchor + semiconductor exposure as a satellite + wait for cleaner ways to access pure-play model companies.

China’s AI ecosystem is becoming investable, but it is still incomplete and carries both AI risk and China-specific macro risk.

Story By: Sandeep Khomne
Read Full Article on thefynprint website:
tinyurl.com/48c7m9cr

2 weeks ago | [YT] | 6

Thefynprint

You can have health insurance and still have your claim rejected.

Not necessarily because you did something wrong.

A disclosure gap. A waiting period. A policy exclusion. A pre-existing disease clause. Or simply a condition buried in the fine print that you didn't realise applied to your situation.

The question is: what do insurers actually look for when they scrutinise a claim?

Join Ira Puranik, Senior Correspondent, Thefynprint, with Neil Borate, Co-founder, Thefynprint, for a live session on the real reasons health insurance claims get denied and how to reduce the chances of it happening to you.

We'll cover:

The most common reasons claims are rejected and which ones are avoidable.
How pre-existing disease clauses and disclosure requirements actually work.
What insurers look for during claim scrutiny.
Waiting periods, exclusions and fine print that can trigger denials.
Health insurance abroad: why your regular policy may not be enough, and how global cover differs from travel insurance.
What to do if your claim is rejected and how to appeal or escalate it.

26th August | 8 PM | Online | Free

Because the worst time to discover what your health insurance doesn't cover is when you're already in the hospital.

Register below:
tinyurl.com/bde83rc8

#HealthInsurance #Insurance #PersonalFinance #FinancialPlanning

3 weeks ago | [YT] | 7

Thefynprint

You don't need to buy a building to invest in commercial real estate.

For decades, Indian investors have associated real estate investing with owning physical property.
But REITs have changed that equation.

A REIT allows investors to participate in income-generating commercial real estate through listed units, bringing together:
→ Regular distributions
→ Potential capital appreciation
→ Diversification across properties
→ Professional management
→ Greater liquidity than direct property ownership

But the important question isn't simply "Are REITs good?"
It's:

Where do they belong in a portfolio and what should investors actually look at before buying them?

In this week's latest article, Thefynprint speaks with Preeti Chheda, CFO of Mindspace REIT, to break down REITs, their return drivers, risks, taxation, costs and India's growing REIT landscape.

Read The Full Article:
tinyurl.com/ykrf76uw

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3 weeks ago | [YT] | 4