Sandeep Nangrani

02/01/2026

Gold has hardly beaten Liquid funds in the recent past, not sure why this hysteria about investing in precious metals. It's more like speculation, rather than investment.

15/12/2025

# "Fear and greed" determine your fate.

# दुनिया में न बेवकूफों की कमी, न ढोंगी बाबाओं की।

03/12/2025

Make it a yearly practice to verify and update your Nominee and KYC details in all of your Banks, Insurance policies, Mutual funds, DEMAT A/Cs etc to avoid any mishaps later.

Facebook link:https://m.facebook.com/groups/174270553278896/permalink/279723592733591/

19/11/2025

Many investors have this question in mind on "how to check their Mutual funds' up-to-date valuation?"

Here's the solution 👇🏼

- Open MF Central:
https://share.google/wWojW8fYbA36SGugH

- *SIGN UP* with PAN.

- *SIGN In* to check the current value of your portfolio.

👍🏼

12/10/2025

https://x.com/ETMONEY/status/1977013406919205334?t=fCrCrAUnNdfo3mYKdXbzrw&s=19

Until recently, Mutual fund gifting was NOT possible. But this has changed & now you can gift Mutual fund Units without a DEMAT account.

18/04/2025

https://app.mfcentral.com/links/inactive-folios

SEBI has launched this initiative - MITRA - a service platform for investors to trace inactive and unclaimed Mutual Fund folios 👆🏼

Web site created using create-react-app

16/01/2025

# Each year, make it a habit to check and update your KYC details, Nomination, Cell No., Email ID etc across all your Bank A/Cs, Insurance policies, Mutual funds, DEMAT A/Cs, Tax documents etc.

# It's always better to keep these details updated while you are hale and hearty.

Research based, hassle free & unbiased Personal finance tidbits. Views shared are personal and generic in nature. Not to be construed as advice 🙏

05/11/2024

Many people have this question in mind while buying Mutual funds, Insurance policies etc 👇🏼

"We are buying MFs, Insurance via APPs like ABC, XYZ etc. What will happen to our money if these APPs cease to exist in future?

The answer is 👇🏼

Relax, don't worry :-)

If you book your Train ticket via CLEAR TRIP or YATRA and that company closes or goes kaput, does your Travel ticket 🎫 still hold good?

# Yes, it does. Because the money moved to Indian Railways via that software company. It doesn't matter whether you bought tickets on CLEAR TRIP or IRCTC, your money is not with that portal, it is with Indian Railways 🚆

# The same applies to these portals that allow you to buy Mutual fund Units, Insurance policies over their software platform. Your money is not with them. It's with the AMCs or the Insurance companies.

# Once you transact, your money passes on to respective Mutual fund companies, or Insurance companies and accordingly MF Units or Insurance policies get allocated to you.

# Whenever you wish to transact online or offline, you can do so irrespective of whether these software companies remain or cease to exist.

Many people have this question in mind while buying Mutual funds, Insurance policies etc 👇🏼"We are buying MFs, Insurance via APPs like ABC, XYZ etc. What w...

25/10/2024

The lure of investing in mid / small caps after a roaring bull market is akin to a child's visit to a toy shop and getting attracted by bright and fancy toys, not knowing about their usability and consistency, and how expensive those can be in the long run.

Better to stay with time tested, useful, consistent, simple and not so expensive products - be it toys or Mutual funds :-)

22/09/2024

In the last few months, many people have started asking / discussing - what's SWP (Systematic Withdrawal Plan). Is it any new product, a new strategy or any new asset class for retired people?

To simplify 👇🏼

# When you wish to take bath, you start filling a bucket with water drop-by-drop, that's SIP (can be a blend of Equity, Debt, Arbitrage funds etc).

# When this bucket is full you start withdrawing water mug-by-mug, that's SWP (again it will be a blend of Equity, Debt, Arbitrage funds etc). It's just the reverse of SIP.

https://youtu.be/hdjocZNiBB0?si=5_Vq4DwQ0AXLUl5J

Do revert if the concept is still unclear :-)

In the last few months, many people have started asking / discussing - what's SWP (Systematic Withdrawal Plan). Is it any new product, a new strategy or any ...

29/08/2024

Thumb rules while planning to buy a residential property 👇🏼

1️⃣ Buy one house 🏠 if you want to live in it, and can afford it.

2️⃣ Whatever your take home fixed annual income is, just multiply it by 5 and that should be its MAXIMUM price. As you move ahead in life & your income goes up, you may upgrade it after a few years

3️⃣ Maximum home loan eligibility will be around 4x of your annual take home salary. Remaining will be your own contribution. Plan accordingly.

4️⃣ Home loan EMI should be 1/3 of your monthly take home salary.

Try to be close to:

5️⃣ Your kid's school 🏫

6️⃣ A marketplace 🛒 🧺

7⃣ A decent hospital, medical facility 🩺

8⃣ Your workplace (if possible)

9⃣ Presuming you are done with Emergency funds, Term Life plan and Health insurance, then rather than speculating on physical assets it's better to invest the rest in financial products like FDs, MFs etc to meet your goals of Retirement, Kid's education etc.

Rest all is मायाजाल 🌈 चार दिन की ज़िंदगी है, keep it simple.

Bottom-line 👇🏼

# Don't go overboard.
# Avoid Debt traps.
# You have other goals to cater too :-)

22/08/2024

Do you find any similarity between Lal Kishan Advani and Kiara Advani except their surname. Likewise, the similarity between Insurance and Investment ends with their first two letters "In".

# INsurance is not INvestment #

These two are as different as chalk and cheese, and have been conveniently sold "as Investment" for decades.

🔸 Life Insurance is akin to a security guard, a soldier that safeguards you => hence, stick only to TERM PLAN.

🔸 Investment is like your marketing team that helps grow business and generate wealth => hence, stay with MFs or FDs.

Don't mix the security guard's role with that of your business team वर्ना न पर्याप्त protection मिलेगा, न पैसा। न राम मिले, न माया।

(Image Courtesy: Google)