Renting or buying a home: choose the life before the property
Renting offers flexibility; ownership offers control and continuity. Compare the full costs, risks and personal priorities before deciding which fits your household.
READ. UNDERSTAND. PUT IT INTO PRACTICE.
Money, a little clearer.
Browse TROUGH articles on investing, insurance, budgeting, tax planning, loans and retirement. Practical guides by Abhishek Singh.
A financial goal needs a date before it needs a product
Give each goal a cost, deadline and priority. Work out the gap honestly, avoid counting the same savings twice and adjust the plan before stretching the return assumption.
Asset allocation: give each part of your money a job
A portfolio needs more than several product names. Match money to its purpose, understand overlapping risks and review the mix without chasing the latest winner.
Before accepting a loan, look past the comfortable EMI
Compare repayment totals, fees and written terms before deciding a loan is affordable. A simple example shows how a smaller EMI can hide a longer commitment.
Retirement planning starts with an ordinary month
Before choosing a retirement number, describe the life it must pay for. Allow for inflation, uncertain returns and the expenses a neat monthly average misses.
Health insurance: read the promise behind the premium
A low premium tells only part of the story. Understand co-payments, limits, waiting periods and the practical claim process before comparing health policies.
An emergency fund buys you time, not excitement
Build a reserve around essential expenses and the risks your household actually faces. A calm approach to deciding the amount, keeping it accessible and rebuilding it after use.
Comparing job offers: read beyond the CTC
Separate regular pay from conditional rewards, then compare the work, costs and terms behind each offer. A practical guide for your next career move.
Negotiating a job offer: be clear before you try to be clever
Prepare a reasonable request, explain the value behind it and know what matters if the answer is no. A calm approach to your first or next job-offer discussion.
Be Tough at the Trough: a little calm when markets feel heavy
You do not have to feel fearless to handle an unsettled market. A quiet reminder to pause, regain perspective and give your decisions some breathing room.
Term insurance: start with the household, not the premium
Work out who depends on your income, estimate the financial gap, and compare policy terms carefully before choosing life cover.
Your first salary needs a plan that survives an ordinary month
A practical ₹40,000 take-home-pay example, with space for annual bills, emergency savings and ordinary life. Build a budget you can actually follow.
Gold FoF subscriptions paused: what the 16 October notices actually change
Fresh investments in specified gold and gold–silver FoFs have been restricted. That is different from a blanket ban on owning gold, silver or every ETF.
RBI raises the repo rate to 5.50%: what to check before changing your money plan
The 7 October 2026 rate increase matters through your loan terms, deposit choices and household cash flow. Start with those numbers.
SIP or lump sum? Start with when the money becomes available
The useful comparison begins with your cash flow, time horizon and ability to stay invested—not a prediction of the next market move.
Old or new tax regime? Compare the full calculation
A worked salary example for FY 2025–26 / AY 2026–27, with a separate note for professionals and proprietors.
What a market trough means—and why the low is easier to see later
A historical Nifty example and simple valuation arithmetic explain why falling prices deserve investigation, not automatic conviction.
Try the numbers for yourself.
Explore investment and savings calculators, work through loan repayments, or learn what stock ratios mean.