# prathamsPOV

> Learn everything about personal finance


## Posts

- [A multi-asset mutual fund should not be your first investment. Here's why...](https://prathamspov.com/a-multi-asset-mutual-fund-should-not-be-your-first-investment-heres-why/): If you are just about to start your investing journey and you are considering a multi-asset allocation fund as your first investment, then let me stop you there because it could be a mistake.
- [How not to use credit risk funds?: The double digit returns trap](https://prathamspov.com/how-not-to-use-credit-risk-funds-the-double-digit-returns-trap/): A debt fund giving 12–13% annualised returns, especially in a year when equities have been rough.
- [Ideal number of mutual fund schemes: The myths, and what really matters](https://prathamspov.com/ideal-number-of-mutual-fund-schemes-the-myths-and-what-really-matters/): 33 equity schemes. XIRR of 25.67% vs Nifty 500 at 22.14%. Alpha of 3.53%.
- [Understanding Bonds: Secured vs Unsecured Bonds](https://prathamspov.com/secured-vs-unsecured-bonds/): If you don't have some basic idea about what bonds are then you can check out this article where I have explained what a bond is and how it is created in the simplest terms possible.
- [What is a Bond?](https://prathamspov.com/what-is-a-bond/): You might have seen ads of bonds everywhere these days, getting you curious to ask what a bond is.
- [3 "MUST DO" Things Before Starting an SIP in Equity Mutual Funds](https://prathamspov.com/3-must-do-things-before-starting-an-sip-in-equity-mutual-funds/): You here about starting an SIP or Systematic Investment Plan in equity mutual funds almost everyday to for long term wealth creation.
- [What is XIRR in Mutual Funds, How to Calculate XIRR, and When To Use It?](https://prathamspov.com/what-is-xirr-in-mutual-funds-and-how-to-calculate-xirr/): Imagine this - you open an app like Groww, Coin, ETMoney etc. to check the performance of your mutual fund.
- [What is CAGR and Why Does It Matter?: Mutual Fund Basics](https://prathamspov.com/what-is-cagr-and-why-does-it-matter-mutual-fund-basics/): "Create your financial plan assuming a CAGR of 12% over the long-term" - you might have heard this line at many places - financial planning decisions, investing in a mutual fund, TV interviews, ads, online forums like Reddit and so on.
- [What is a Mutual Fund NFO or New Fund Offer? A Non-preachy Guide for Beginners](https://prathamspov.com/what-is-a-mutual-fund-nfo-or-new-fund-offer-a-guide-for-beginners/): As a beginner, I believe this will be the only article you will need to understand what an NFO is in mutual funds, and why there are so many of them these days.
- [Who Should Buy a Term Insurance & How to Calculate the Cover Needed - Do not over-insure yourself](https://prathamspov.com/how-to-calculate-term-plan-cover-needed/): Not everyone needs life insurance or a term plan.
- [The Two Behaviors That Can Lose Crores: Lessons from the Lost Billionaires](https://prathamspov.com/two-behaviors-can-lose-crores-lessons-from-the-lost-billionaires/): Let me tell you a story first. It's about how the billionaires lost their money - crores of rupees in generational wealth.
- [What are shares and where do they come from?](https://prathamspov.com/what-is-a-share/): If you were ever asked by someone very new to investing "what is a share?", you know how it goes - most analogies you can think of like splitting a pizza in 10 equal pieces among your friends, or dividing a shop into n equal pieces - all fall short, or end up confusing people.

## Pages

- [Taxation & Other Things](https://prathamspov.com/taxation-planning-etc/)
- [Advacned Section](https://prathamspov.com/personal-finance-posts-advanced-level/)
- [All the posts to help readers get started understanding basics of personal finance and investing related topics](https://prathamspov.com/personal-finance-posts-beginner-level/): If you are just about to start your investing journey and you are considering a multi-asset allocation fund as your first investment, then let me stop you there because it could be a mistake.
- [Intermediate Section](https://prathamspov.com/personal-finance-posts-intermediate-level/): A debt fund giving 12–13% annualised returns, especially in a year when equities have been rough.
- [Investment Products](https://prathamspov.com/all-investment-products/): If you are just about to start your investing journey and you are considering a multi-asset allocation fund as your first investment, then let me stop you there because it could be a mistake.
- [Investing Maths](https://prathamspov.com/investing-mathematics/): Imagine this – you open an app like Groww, Coin, ETMoney etc. to check the performance of your mutual fund.
- [Insurance & Protection](https://prathamspov.com/insurance-and-protection/): You here about starting an SIP or Systematic Investment Plan in equity mutual funds almost everyday to for long term wealth creation.
- [Terms and Conditions](https://prathamspov.com/terms-and-conditions/): By subscribing to the email list of prathamsPOV, you agree to the following Terms and Conditions.
- [All Posts](https://prathamspov.com/posts/)
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- [About me](https://prathamspov.com/about/): Hi, I’m Prathamesh.
- [Home](https://prathamspov.com/): "So you must be very cautious when you buy something for the long term - a car, a house, a stock, a mutual fund - whatever.
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