✦ Foliyo Blog

Plain-language guides for Indian investors

No jargon, no conflict of interest — just clear answers to questions you actually have about money.

Best date for a mutual fund SIP: Seven strategies compared
Personal Finance
Best date for a mutual fund SIP: Seven strategies compared

Does investing on the 1st, choosing a weekday or waiting for a market dip improve SIP outcomes? A NIFTY 50 TRI simulation compares seven strategies.

Sachin Kabra
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Deploying Lumpsum: Invest in one-go or SIP? Lets check data.
Personal Finance
Deploying Lumpsum: Invest in one-go or SIP? Lets check data.

A backtested framework for Indian investors choosing between SIP, lumpsum and STP, with timing trade-offs.

Sachin Kabra
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Sachin Kabra explaining common investor mistakes that reduce returns
Informational Video · Investor Behaviour
Why Are Your Returns Lower Than Your Mutual Funds? Common Investor Mistakes!

Sachin Kabra explains why investor outcomes can fall short of published mutual fund returns, and how market timing, panic and unnecessary activity damage compounding.

Investor behaviour video
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Sachin Kabra explaining how to evaluate Portfolio Management Services
Informational Video · PMS
Which PMS is the Best? That's the Wrong Question!

Sachin Kabra explains when PMS can complement mutual funds, how strategies differ, and what investors should assess before choosing a PMS.

PMS explainer video
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Sachin Kabra explaining international investing options for Indian investors
Informational Video · Global Investing
International Investing for Indians: ETFs, GIFT City, S&P 500, Nasdaq & UCITS Explained

Sachin Kabra explains how Indian investors can approach US stocks, ETFs, UCITS ETFs and GIFT City funds, with a focus on costs, taxes and portfolio roles.

Global investing video
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Sachin Kabra explaining Specialized Investment Funds and SIF categories
Informational Video · SIFs
SIFs Explained: Should You Invest? Equity, Hybrid & Ex-Top 100 Compared

Sachin Kabra explains how Specialized Investment Funds work, how equity, hybrid and Ex-Top 100 SIFs differ, and what to ask before investing.

SIF explainer video
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Sachin Kabra explaining asset allocation across equity, debt, gold and international investments
Informational Video · Asset Allocation
Does Asset Allocation Really Work? Equity, Debt, Gold & International

Sachin Kabra explains how equity, debt, gold and international equity work together, why diversification can reduce drawdowns, and how Indian families can choose an allocation.

Asset allocation video
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Sachin Kabra and Bedant Sahoo on the Foliyo podcast
Podcast · Financial Planning
₹25 Lakh Salary, Still Feeling Broke? How Much Should You Save, Spend & Invest?

Sachin Kabra and SEBI RIA Bedant Sahoo discuss cash flow, lifestyle, EMIs and finding room to both invest and enjoy life. Watch the conversation or read the full transcript.

43 min podcast
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Sachin Kabra and Ravi Natarajan discussing retirement investing
Podcast · Retirement Planning
Retirement Investing: Why 'Playing Safe' Can Be Risky | RIA Ravi Natarajan

Sachin Kabra and SEBI RIA Ravi Natarajan discuss inflation, equity allocation, bucketing, sequencing risk and sustainable retirement withdrawals.

45 min podcast
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Global Investing
Investing in Global Markets in 2025–26: What Worked, What Didn't, and the Currency Lesson Most Indians Missed

South Korea returned 263%. India fell 11% in dollar terms. The gap between your Nifty return and your USD return was entirely the rupee — here's what the full global scoreboard looked like.

June 2026 9 min read Sachin Kabra
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Personal Finance
Are the new low-cost ULIPs better than Mutual Funds?

Two out of three modern ULIPs beat a direct MF on post-tax returns. We ran the numbers on HDFC, ICICI and Bajaj — and the LTCG tax exemption turns out to be the decisive factor.

May 2026 8 min read Sachin Kabra
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More articles coming soon — covering term insurance, taxes, retirement and more.