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₹60 Lakh From Property Sale: Should You Choose FD, Debt Mutual Fund or SWP?

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Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest Selling a property can completely change a family’s financial position. Imagine a simple situation. A family sells a property and expects to receive around ₹60 lakh . At the same time, the family has an outstanding debt of approximately ₹10 lakh . The father wants the remaining money to stay safe, while another family member is thinking about using ₹10 lakh to start a business and generate around ₹20,000 per month. The question then becomes: “What should we do with the ₹60 lakh? Should we put ₹50 lakh in an FD? Should we use a small finance bank? Or should we invest in a debt mutual fund and start an SWP?” This is not just an investment question. It is a capital protection, debt management, liquidity and income-planning question . And that distinction matters. A common mistake is to look only at the highest interest rate. When a large amount of money comes from selling a property, the fi...
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SIP vs SWP vs STP: Complete Guide to Mutual Fund Investment Strategies

  Understanding SIP, SWP and STP: A Simple Guide to Mutual Fund Investment Strategies Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder - WealthCare Vest Mutual funds have become a popular investment option for Indian investors. But simply choosing a mutual fund is not enough. You also need to understand how you invest, how you withdraw money and how you move your investment from one fund to another. This is where three commonly used terms come into the picture: SIP, SWP and STP. You may have heard someone say, “Start an SIP for wealth creation,” or “Use an SWP after retirement.” You may also have heard that STP can help when you have a lump sum but do not want to invest the entire amount in equity at once. But what do these terms actually mean? In this guide, we will explain SIP, SWP and STP in simple language , with practical examples, their advantages, limitations and situations where they may be useful. The objective is not to tell ...
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15 Smart Investment Rules Every Indian Investor Should Follow

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Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest Investing is often made to look complicated. One person talks about the “next multibagger.” Someone else recommends a new mutual fund. Another person says gold is the safest investment, while someone else says equity is the only way to create wealth. In between all this noise, a common investor can easily become confused. The truth is that successful investing is usually not about finding one magical investment product. It is about following a few sensible principles consistently for many years. At WealthCare Vest , we believe that investment decisions should be connected to your financial goals, risk appetite, time horizon and overall financial situation. Here are 15 practical investment rules that can help an ordinary Indian investor avoid some common mistakes and build a more disciplined approach toward money. 1. Gold Is Old — But That Doesn't Make It Useless Gold has been part o...
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What Should You Do When the Market Is Falling? | WealthCare Vest

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Why Staying Invested During a Market Crash Can Build Long-Term Wealth Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest What Should You Do When the Stock Market Is Falling? Have you ever opened your investment app and noticed that almost everything is in red? Your mutual fund value has dropped. The stock market is making headlines for the wrong reasons. News channels are talking about "market crashes," friends are suggesting you stop your SIPs, and social media is filled with fear. At that moment, one question comes to almost every investor's mind: "Should I continue investing, or should I wait until the market recovers?" If you've asked yourself this question, you're not alone. Every investor—whether new or experienced—faces periods when markets fall sharply. These phases can be uncomfortable, but they are also one of the most important tests of investment discipline. The truth is simple: Market correcti...
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Gold ETF vs Gold Mutual Fund vs Physical Gold – Which is Better for Dhanteras? | WealthCare Vest

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Gold ETF vs Gold Mutual Fund vs Physical Gold: Which is the Best Choice This Dhanteras? Dhanteras is considered one of the most auspicious days in India to purchase gold. For generations, buying gold on this festival has symbolized prosperity, wealth, and good fortune. However, investing in gold has changed significantly over the last decade. Today, investors don't have to buy only jewellery or gold coins. They can also invest through Gold ETFs and Gold Mutual Funds , which provide exposure to gold without the hassle of storing it physically. So the biggest question becomes: Should you continue buying physical gold this Dhanteras, or should you switch to digital gold investments like Gold ETFs or Gold Mutual Funds? Let's understand each option in simple language. Why Do Indians Buy Gold on Dhanteras? Apart from religious beliefs, gold has always acted as: A store of value A hedge against inflation A safe-haven asset during uncertain times A diversification tool in an investmen...
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