Everyone around you is doing SIP. But are they doing it right? Most investors are carrying at least one dangerous myth that's quietly hurting their returns. Let's clear the air once and for all. Why SIP Myths Are So Dangerous Systematic Investment Plans have become the default entry point for Indian investors. The numbers are impressive — AMFI reported over 10 crore active SIP accounts in India as of early 2026. But popularity doesn't equal understanding. The problem is this: SIPs are simple to start but easy to misunderstand. And the myths surrounding them often come from well-meaning friends, half-read articles, or old advice that no longer applies. Acting on bad information doesn't just slow your wealth — it can genuinely set you back. Here are seven myths that need to go. Myth 1: SIP Always Gives 12% Returns This is probably the most repeated number in personal finance circles. "Bhai, SIP mein 12% toh pakka milega." No, it doesn...
With March 31 just days away, millions of Indian taxpayers are scrambling to make a choice that could save — or cost — them thousands of rupees. The question everyone is asking: Old tax regime or new tax regime — which one should YOU pick? Let's break it down simply, clearly, and without the jargon overload. Why This Decision Matters More Than Ever in FY 2025-26 The Indian government has been nudging taxpayers towards the new tax regime since FY 2020-21, and the push has grown stronger each year. Budget 2024-25 made the new regime the default option — meaning if you don't actively choose the old regime, the new one applies automatically. This single change has confused millions of salaried employees and self-employed individuals alike. But here's the thing: the "default" does not always mean the "better" option. Depending on your salary, investments, and deductions, one regime can result in significan...