June 2025

Steadiness trumps aggression in investing

Investments, Personal Finance, Retirement / By /

📈 Steadiness trumps aggression in investing.

Too often, investors go hunting for the next big winner—like picking Virender Sehwag over Mr. Average. But investing isn’t a sport. You don’t need to be spectacular. You just need to be consistent.

This column argues for choosing steady, reliable returns over flashy, high-risk bets—helping you get close to your goal, consistently.

👉 Worth reading for anyone planning long-term goals like education or retirement.

Steadiness trumps aggression in investing Read More »

Why splitting FDs across banks doesnt add up

Financial, Personal Finance / By /

💡 Why splitting FDs across banks doesn’t add up?
Chasing slightly higher returns by spreading your fixed deposits across multiple banks might seem smart — but it can lead to a logistical and emotional mess. From redundant KYC formalities to poor service, mis-selling, and hassles for your nominees, the hidden costs outweigh the tiny interest gain.

As the PMC Bank case shows, even insured money may not be accessible quickly or with interest.

👉 A better alternative? Hybrid funds that balance safety, returns, and liquidity without the stress.

🔗 Read the full article to understand why:

Why splitting FDs across banks doesnt add up Read More »

Allow gig workers to choose between EPF and NPS

EPF, NPS / By /

“The contrast becomes starker when compared to the National Pension System (NPS). The difference between EPFO and NPS is more than administrative — it is philosophical. While EPFO prescribes, NPS enables. EPFO casts itself as a custodian expected to act in the subscriber’s best interest, even at the cost of their agency. In contrast, NPS treats individuals as investors with choice, control and accountability.”
— Harsh Roongta, Truth Be Told column

Allow gig workers to choose between EPF and NPS Read More »

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Vigilance Awareness Week 2025 (VAW2025)

Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).

All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.