Thefynprint

GIFT City is changing the way Indian investors can access global markets.

Magazine: tinyurl.com/5xj2scvd

View the Full GIFT City Report Here:
tinyurl.com/5yxwns4d

But investing globally through GIFT City isn't simply about getting access to international funds.

Our GIFT City Outbound Fund Report takes a practical look at how these funds work from fund performance, Fund Manager's Views and investment strategies to taxation, regulatory advantages and the risks investors need to understand before investing.

And that's not all.

Also in this issue:

Retirement Planning: NPS isn't as locked-in as many investors assume. We break down partial withdrawals, premature exit and normal exit, including the conditions, limits and tax implications of each.

Insurance: Two recent IRDAI orders involving banks and insurance raise a broader question around suitability, accountability and what customers can do when something goes wrong.

Read The Fynprint | Vol. XXXV | September 9–15.

Magazine: tinyurl.com/5xj2scvd

View the Full GIFT City Report Here:
tinyurl.com/5yxwns4d

#GIFTCity #GlobalInvesting #OutboundFunds #NPS #RetirementPlanning

Skip the Carousel

1 2 3 4

6 days ago | [YT] | 11

Thefynprint

Buying your first health insurance policy is usually treated as a simple decision:

Compare premiums. Pick a policy. Get covered.

But some of the decisions you make today may only become important years later when you file a claim.

A disclosure you missed.
A waiting period you didn't understand.
An exclusion buried in the policy.
Or coverage that doesn't actually match your needs.

Join Ira Puranik, Senior Correspondent, Thefynprint, with Neil Borate, Co-founder, Thefynprint, for a practical session on the mistakes that can quietly create problems with your health insurance years after you bought it.

We'll cover:

What to look for when buying your first health insurance policy.
The common mistakes that can affect claims later.
How to evaluate coverage, waiting periods and exclusions.
Why disclosures and accurate information matter when you buy a policy.
How to read the fine print and identify gaps in your coverage.
The practical checks you should make on your policy today.

18th September | 8 PM | Online | Free

Because the best time to find a gap in your health insurance is before you need to use it.

Register here: tinyurl.com/3xzux96j

#HealthInsurance #Insurance #PersonalFinance #FinancialPlanning #HealthInsuranceClaims

1 week ago | [YT] | 6

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

1 week ago | [YT] | 12

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

2 weeks 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

2 weeks 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

Skip the Carousel

1 2 3 4 5 6 7 8

3 weeks 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

3 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

3 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

3 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

4 weeks ago | [YT] | 6