Author: ravi@fundwallet.in

One of the most common mistakes investors make is thinking: “This fund has a ₹10 NAV, so it is cheaper than a fund with a ₹500 NAV.” ❌ Not true. NAV is simply the value of one unit of a mutual fund.It does not tell you whether the fund is cheap or expensive. Imagine two…

The Q1 FY2026-27 macroeconomic picture is clearly positive, with growth broad-based across consumption, investment, industry and services. What does this mean for the economy? The most encouraging aspect is the quality and breadth of growth. It isn’t being driven by just one component: Consumption ↑ + Investment ↑ + Government capex ↑ + Industry ↑ + Services…

Quite interesting table depicting various trends in Equity Market. According to the author we are currently in Boring Phase 🙁 Regards, RaVi The views expressed here are for information purposes only and should not be construed as a recommendation or investment advice. While the author is a MBA Finance graduate, with nearly 25 years of…

Wealth, like a harvest, cannot be rushed. A farmer does not plant a seed today and expect a crop tomorrow. He chooses the right seed, prepares the soil, gives it water and nourishment, and then allows nature to do its work. Along the way, he accepts heat, rain, storms and changing seasons—without digging up the…

A SIP is one of the simplest ways to build wealth over the long term. But the real power comes when you increase your SIP as your income grows. This is where a Step-Up SIP can make a meaningful difference. Even an additional ₹1,000 a month may look small today. But when that higher contribution…

How deep did the market fall — and how long did investors have to wait? India’s equity market has witnessed several brutal bear markets over the decades. 1986–88 → -41%1990–91 → -39%1992–93 → -54%1994–96 → -41%2000–01 → -56%2004–06 → ~30%2008–09 → -61%2010–11 → ~28%2015–16 → ~23–25%2020 COVID Crash → -38% The 2008 Global Financial Crisis…

There is a simple formula that explains much of what successful long-term investing is all about: (Short-Term Volatility + Discipline) × Time = True Wealth 1. Accept short-term volatility Markets will not move up in a straight line. There will be corrections, sharp declines, periods of frustration and phases when it feels as though nothing…

The real investment lesson is this: The companies that created enormous wealth were not necessarily the obvious “multibaggers” every year. They survived multiple cycles: 1991 reforms → dot-com → 2008 crisis → taper tantrum → COVID → rate cycles → geopolitical shocks → today. The biggest mistake investors make is often not choosing the wrong…