The Profit Prism

Are You Worried About Running Out of Money in Retirement? Let’s talk about a smart, proven method to retire rich — and stay rich.  What Will You Learn in This Blog? What is the 4.8% SWP Rule? How this rule works better than traditional retirement tools How it helps you beat inflation effortlessly Why mutual funds make this rule possible Simple, bullet-style explanation for easy understanding Real-life benefits: Peace of mind, monthly income & capital growth Final recap with verdict to help you decide confidently What is the 4.8% SWP Rule? SWP = Systematic Withdrawal Plan. The 4.8% Rule means withdrawing only 4.8% of your mutual fund corpus every year . This keeps your capital mostly intact — and may even grow. You get a monthly income without depleting your wealth. It’s smarter than the old 4% rule in today's Indian market conditions. Why 4.8% and Not 4%? India’s mutual fund returns are higher than developed countries. Hist...

Drive Your Dream Car with Mutual Funds – The Smart Way Are you tempted to buy that shiny new car on EMI right now? Hold on! What if you could buy it with zero debt and zero stress ? What Will You Learn in This Blog? Why emotions hurt your money How to delay gratification without pain A smarter way to buy your car with mutual funds The power of SIP (Systematic Investment Plan) A real plan to turn dreams into debt-free reality The Emotional Trap of Instant Gratification Buying on EMI feels good now , but it steals your future peace . Peer pressure, social media & FOMO make it worse. You’re not just paying the car price – you’re paying interest + stress . Delayed Gratification = Financial Maturity Delay = Discipline = Freedom Ask: “Do I need this now or can I wait for a better version?” Waiting builds self-control and savings . Cash is King. Loan is a Liability. A car is a depreciating asset. Paying interest on something losin...

🤔 Still Choosing FDs Blindly? Discover if Debt Mutual Funds Are Now the Better Bet in 2025! 📘 What Will You Learn from This Blog? What are Fixed Deposits and Debt Mutual Funds? The tax rules and how they affect you A head-to-head comparison of both options across key investing parameters Pros and cons of each, in real-world scenarios Final verdict for short, medium, and long-term investors 🏦 What is a Fixed Deposit? A Fixed Deposit (FD) is one of the most traditional savings tools in India. It involves investing a lump sum with a bank or financial institution for a pre-decided tenure and interest rate . Your capital is locked in for the chosen period, and interest is paid periodically or on maturity. FDs are known for their safety, predictability, and simplicity . Key Features: Offered by banks, NBFCs, and post offices. Tenure ranges from 7 days to 10 years . Interest rate is fixed upfront and doesn’t change during the tenure. Covered under ...

What Will You Learn in This Blog? Why monthly budget planning is essential What the "bucketing" method is and how it works How mutual funds fit into your budgeting strategy How to create financial balance through smart allocation 🧾 What is Monthly Budget Planning? It's the habit of giving every rupee a purpose Helps you track spending, control debt, and save smartly Turns your financial chaos into clarity 🪣 What is Bucketing in Budgeting? A method of dividing your income into categories or "buckets" Each bucket has a specific purpose: spending, saving, or investing Helps you stay in control and avoid overspending 📊 Popular Budget Bucket Strategy: 50-30-20 Rule 50% Needs – Rent, groceries, bills, EMIs 30% Wants – Shopping, eating out, streaming services 20% Savings & Investments – Mutual funds, emergency fund, insurance 💰 Why Use Mutual Funds in the Saving Bucket? Offers better growth than tra...

What Will You Learn? Why working alone is not enough to build wealth How mutual funds help your money work for you Smart steps to begin your investment journey Are You Working Hard for Money... But Is Your Money Working Hard for You? This May Day, while we celebrate the dignity of labour, let's also remember the power of smart investing. Working hard is essential, but making your money work even harder is how wealth is truly built. Here's Why Your Money Should Work for You: Time is limited, but money can grow 24/7 Investing creates passive income streams Financial freedom comes from smart investments Wealth is built over time, not just with effort Mutual Funds: Your Money's Smartest Job! Professionally managed by expert fund managers Diversified investments reduce your risk Start with small amounts through SIPs Long-term compounding multiplies your wealth Easy to track and liquid when needed Smart Steps to Start Investing: Set clear financial goals (retirement, home, educa...