Financial Planning Resources Hub
Welcome to the Svacron knowledge center. These comprehensive, data-backed guides are designed to help you navigate investments, tax optimization, loans, and retirement planning with mathematical clarity.
What is a SIP and How It Compounds Your Wealth
Learn how rupee-cost averaging and compounding work together. Includes real numerical tables and step-up SIP multipliers.
FD vs PPF vs Mutual Funds: Tax & Liquidity Comparison
Analyze post-tax real returns across tax slabs. Understand why 7.2% bank FDs deliver negative returns after 30% tax and inflation.
Practical Tax Saving Checklist: Old vs New Regime Optimization
Section-by-section breakdown of Section 115BAC, 80C, 80D, 80CCD (NPS), HRA, and Section 112A capital gains harvesting.
Why Stopping Your SIP During a Market Crash Costs You More Than You Think
The mathematics of accumulating discounted mutual fund units during bear markets. Case study of the 2008 and 2020 market crashes.
The XIRR Trap: Why Your Mutual Fund App’s Returns Mislead You
The technical difference between Absolute Return, CAGR, and XIRR. Why cash flow timing distorts your app’s performance figures.
The #1 Reason Retirement Calculators Underestimate Your Corpus (Inflation)
Why 12%–14% medical inflation and Indian safe withdrawal rates (3%–3.25%) require larger retirement nest eggs than conventional rules suggest.
Why Chasing Last Year’s Best-Performing Fund Is a Losing Strategy
Mean reversion, fund asset bloat, rolling returns, and downside capture ratios explained for smart investors.
No Cost EMI Calculator for Amazon & Flipkart Spends
Calculate upfront merchant discounts, bank interest subvention, processing fees, and 18% GST on interest charges.