iArista Blog
Insights on your money.
Practical financial guidance — mutual funds, insurance, tax, retirement — written for real people.
5 Reasons SIP Beats Lump Sum Investing (Most of the Time)
Timing the market is a fool's game. SIPs remove the guesswork, build discipline, and let rupee-cost averaging work silently in your favour.
The NPS vs Mutual Fund Debate Has a Clearer Answer Than You Think
NPS offers a genuine tax edge that equity mutual funds can't match. But it comes with real strings attached. Here's how to think about both — without the sales pitch.
Term Insurance vs Whole Life: What You Actually Need
Insurance agents love selling whole life plans because the commissions are high. Here's what an advisor with no conflict of interest would tell you.
Buying a Home in 2026: When It Makes Sense and When You're Just Feeling the Pressure
Property prices in most Indian metros have surged 20–40% in three years. That doesn't automatically make buying a bad idea — but it does mean the maths deserves more honesty than it usually gets.
How to Save Tax with ELSS Before March 31
ELSS funds give you an 80C deduction of up to ₹1.5 lakh while keeping your money in equities. The 3-year lock-in is the shortest among all 80C options.