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Beginner's Guide to Investing & Insurance

If you need help with any of the following, feel free to contact us. Our team of experts will be happy to help you:

Investing and portfolio management
Spending optimization, EMIs & credit cards
Insurance advisory
Tax planning
Will & estate planning
Most other financial queries or challenges

You can also email us at help@reymanwealth.com

Investing in India

How to start Investing

This guide will help if you have a bank account and (maybe) fixed deposits but don't know what to do next. Maybe you've heard of mutual funds, SIPs (systematic investment plans) and the stock market. This guide will be simple and tell you how to start investing in India.

How to beat Inflation

This comprehensive guide explains inflation in simple terms, shows you real historical data from India, and reveals why your investment returns absolutely must outperform inflation to build actual wealth.

How compounding creates wealth

Money today is worth more than the same amount in the future. This fundamental principle (known as the Time Value of Money) is perhaps the most important concept in personal finance, yet it remains misunderstood by millions of Indians. Combined with the power of compounding, this principle can transform modest savings into substantial wealth over time.

Emergency fund: How much to invest & where

An emergency fund is your financial life jacket — 3 to 12 months of expenses kept accessible for job loss, medical emergencies, urgent repairs, or income disruption. Without it, you'll raid retirement savings, break investments at losses, or take high-interest loans during crises.

Goal-Based Investing

Building wealth without a clear purpose is like sailing without a destination. Goal-based investing shifts the focus from abstract returns to concrete objectives—whether it’s buying a home, funding your child’s education, or retiring comfortably.

How to control your spending and maximize your wealth

Money slips through your fingers despite earning well. You start each month optimistic, end it stressed, and wonder where your entire salary disappeared. If this sounds familiar, you're not alone—but you're about to change that forever.

Asset Allocation: Balancing Equity, Debt, FDs, PPF and Gold

Asset allocation is the single most important investment decision you'll make—more impactful than which specific stocks or funds you choose. Studies show that 90% of portfolio returns come from asset allocation, not individual security selection.

Emergency fund: How much to invest & where

An emergency fund is your financial life jacket — 3 to 12 months of expenses kept accessible for job loss, medical emergencies, urgent repairs, or income disruption. Without it, you'll raid retirement savings, break investments at losses, or take high-interest loans during crises.

What is an SIP?

Systematic Investment Plans (SIPs) have become synonymous with mutual fund investing in India. Yet most investors don't understand how they actually work under the hood. What are mandates and why are they necessary?

How to Invest in Mutual Funds/ SIPs in India

This guide covers everything from choosing the right platform to making your first investment, ensuring you avoid costly mistakes that plague beginners.

Regular or Direct Mutual Funds?

One simple decision—choosing direct over regular mutual funds—can add ₹15-50 lakh to your retirement corpus. Yet 70% of Indian investors unknowingly surrender these gains to intermediaries by investing in regular plans.

Which type of Equity Mutual Fund should you choose?

Equity mutual funds are categorized by market capitalization (size of companies), investment strategy, and focus. Choosing the right mix can mean the difference between 10% annual returns and 16%+ returns over 25 years.

Lumpsum or SIP - Best way to invest?

"Just keep buying" works—but does it work better than investing everything at once? This question haunts every Indian investor who receives a bonus, inheritance, or windfall. Armed with 20 years of Indian market data (2005-2025), we'll settle this debate definitively, revealing when SIP wins, when lump sum dominates, and the surprising truth about rupee cost averaging.

Active vs Passive Investing

Over 10 years, 73-74% of actively managed Indian large-cap funds underperformed the S&P India LargeMidCap benchmark. Only 26-27% of large-cap active funds beat the index over 10 years.

International Diversification for Indian Investors

International diversification (allocating 10-20% to global markets) provides a hedge against home market volatility while capturing growth in world-leading companies.

FnO Trading - Quick money or Financial doom?

The numbers are stark and undeniable. According to the latest SEBI (Securities and Exchange Board of India) research, 91% of retail traders in the equity derivatives segment lost money in FY25, collectively losing over ₹1 lakh crore.

How to pick your insurance?

Life Insurance

This comprehensive guide reveals exactly which life insurance you should buy, how much coverage you need, which features matter, and which expensive add-ons insurance agents push that you should completely ignore. Once you've read this guide, you'll know exactly what life insurance to buy in India.

Health Insurance

This comprehensive guide cuts through the complexity, showing you exactly which health insurance to buy, how much coverage you need, which features matter, and which ones you should ignore.

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