Meet Arjun & Komal 👨 Arjun (35), Software Engineer — ₹1.5L/month👩 Komal (33), Teacher — ₹1L/month👨👩👧👦 Kids: 2-year-old daughter & 7-year-old son📍Location: Bengaluru Financial Goals Arjun and Komal have clearly defined their financial goals: Goal-by-Goal SIP Planning Goal 1: Retirement Planning (₹9.5 Cr Needed) Detail Value Time to Retirement 20 years Retirement Period 30 years… Continue reading How SIPs Can Be the Cornerstone of Your Financial Planning
How Much Retirement Corpus Do You Really Need in India?
Client Profile 👤Rahul (25), MBA grad, Marketing Professional📍Location: Pune🎯Goal: Early Retirement at 45💡Plan Horizon: 20 years to retirement, 40 years of retired life Rahul’s Financial Snapshot Details Values Monthly salary (post-tax) ₹1.1 lakh Monthly expenses ₹40,000 Annual lifestyle + misc. costs ₹6 lakh Retirement age 45 Life expectancy 85 Investment return (pre-retirement) 15% Investment return… Continue reading How Much Retirement Corpus Do You Really Need in India?
How Many SIPs Should You Have in Your Mutual Fund Portfolio?
Client Profile: 👤Raj (39) – Marketing professional in Delhi👩🏫Neha (35) – School teacher👨👦Family: 11-year-old son, Rahul💰Household Income: ₹1.5L/month (post-tax) Financial Goals Raj and Neha met with their financial planner to plan for the following goals: The Investment Approach: 1 Goal = 1 SIP Instead of starting 1–2 large SIPs randomly, their advisor recommended a goal-based… Continue reading How Many SIPs Should You Have in Your Mutual Fund Portfolio?
How a ₹2 Cr FD Was Converted Into a Monthly Retirement Income Strategy
Client Profile: 👤Mr. Ramesh (Age: 61) – Recently retired professional💼Current Corpus: ₹2 Crore in Fixed Deposit (earning ~7% p.a.)🎯Goal: Generate ₹1 Lakh/month for life with capital preservation & low-to-moderate risk The Challenge “My FD gives safety, but the returns barely cover inflation. I want ₹1L/month income, want to preserve my corpus as much as possible,… Continue reading How a ₹2 Cr FD Was Converted Into a Monthly Retirement Income Strategy
How Mr. Gupta Built a Retirement Income Plan That Paid Monthly & Grew Capital
Client Profile: 👤 Mr. Gupta, 60 years old, recently retired senior executive💼 Corpus: ₹2.5 Crore from retirement benefits & savings🎯 Goal: Generate ₹1 lakh/month income for 20 years, while keeping capital safe The Retirement Income Challenge Mr. Gupta reached out to Team Saan with a concern that many retirees share: “How do I get a… Continue reading How Mr. Gupta Built a Retirement Income Plan That Paid Monthly & Grew Capital
Are SIPs in Mutual Funds Safe for Long-Term Investing?
Client Profile: Anuj 👨 Anuj, 28-year-old software engineer, first-time investor 🎯 Goal: To start investing ₹5,000/month safely for long-term wealth creation The Challenge “I’ve heard a lot about SIPs. But is it really safe? What if the market crashes? Will I lose all my money?” Instead of simply answering yes or no, we took Anuj through… Continue reading Are SIPs in Mutual Funds Safe for Long-Term Investing?
What’s the Best Mutual Fund in 2025? A 4-Day Real-Life Experiment
Objective To uncover whether there’s truly one “best” mutual fund by asking a cross-section of people from different age groups and financial backgrounds. The Hypothesis Everywhere online, people ask: “Which mutual fund is best right now?”“What are the top 5 mutual funds in India?”“Best SIP fund to invest in?” But no matter how many articles… Continue reading What’s the Best Mutual Fund in 2025? A 4-Day Real-Life Experiment