Goal-Based Investing with Mutual Funds

Course syllabus

Every lesson has worked examples, diagrams, key terms, common mistakes and a practice check.

1. 1

   Chapter 1

   Foundations first

   • Emergency Fund and Insurance First 9 min

     Investing works only if you never have to sell at the worst moment. A cash buffer and the right insurance make sure you don't.

   • Goal Maths: What Will It Really Cost? 10 min

     A goal without a number and a date is a wish. Add inflation, then work back to the monthly SIP.

2. 2

   Chapter 2

   Building the portfolio

   • Asset Allocation: Splitting Money Wisely 10 min

     How you split money between equity, debt and gold matters more than which fund you pick.

   • Choosing Funds for Each Goal 9 min

     Once the split is set, a small, low-cost set of funds is enough. More funds rarely means more safety.

3. 3

   Chapter 3

   Staying on track

   • Rebalancing and Annual Reviews 10 min

     Markets push your mix away from the plan. A yearly rebalance pulls it back, and quietly makes you buy low and sell high.

   • How Mutual Fund Gains Are Taxed 10 min

     Tax depends on fund type and holding period. Knowing the rules helps you sell less, and sell smarter.

A look inside: “Goal Maths: What Will It Really Cost?”

Inflation

The yearly rise in prices that makes the same money buy less.

Future value

What a cost or investment will be worth after a number of years.

Step-up

Raising your SIP every year, usually with income.