Yashodhan ProServe

31/08/2026

31/08/2026

The Right Mix matters more than just the Pick !

Don't just pick any random mutual fund schemes. Rather invest as per your risk profiling and goals.

30/08/2026

Wealth & Tax Planning goes hand in hand !

29/08/2026

NPS vs Mutual Funds Which is Better. Let's find out.

For wealth creation, Mutual Fund wins.
For retirement + tax saving + forced discipline, NPS wins.

You should have BOTH. But not 50-50.

Head to Head – NPS vs Mutual Fund

Feature NPS – National Pension System Mutual Fund – Equity

**Return** 9-12% long term 12-15% long term

**Invests in** 75% max equity, 25%+ govt bonds 100% equity possible

**Lock-in** Till age 60. Can’t touch 40% till retirement No lock-in. Withdraw anytime

**Tax at Investment** ₹2L deduction (₹1.5L 80C + ₹50k 80CCD1B) ₹1.5L in ELSS only, 3-yr lock

**Tax on Growth** No tax during accumulation No tax till you sell

**Tax at Withdrawal** 60% tax free, 40% must buy annuity (taxed) LTCG 12.5% above ₹1.25L/year

**Liquidity** Partial: 25% after 3 yrs for specific reasons 100% liquid. 1 day

**Risk** Low-Moderate. Auto reduces equity after 50 You control risk

**Annuity Compulsion** Yes. 40% must buy low return (6-7%) annuity No annuity

**Cost** Very low: 0.09% Higher: 0.5-1.5%

**Best For** Retirement corpus building, disciplined saving, extra tax saving Wealth creation, goals

23/08/2026

Whether your Large Cap schemes beating Index Mutual Fund schemes ?

22/08/2026

New Fund Offer - UTI Balanced Hybrid Mutual Fund Scheme

22/08/2026

Don't guess it ! Choose the Right One Only.

22/08/2026

Stop guessing your mutual funds !

*Equity = Growth. Debt = Safety. You need both.*

100% equity = heart attack in a crash.
100% debt = slow death by inflation (6% return vs 10% education inflation).

The right mix depends on *3 things: Your Age, Your Goal Timeline, and Your Sleep Factor.*

*Formula 1: Age Rule – For Beginners (Most Popular)*

`100 - Your Age = % in Equity`

`Rest = Debt`

Your Age Equity Debt Example SIP ₹20k
**25** 75% 25% ₹15k equity, ₹5k debt
**35** 65% 35% ₹13k equity, ₹7k debt
**45** 55% 45% ₹11k equity, ₹9k debt
**55** 45% 55% ₹9k equity, ₹11k debt

Aggressive version: `110 - Age = Equity`. Conservative: `90 - Age`.

*Formula 2: Goal Timeline Rule – For Goal-Based Planning (Most Accurate)*
This is better than age rule.
Time to Goal Equity Debt Why
**>10 years** 80-100% 0-20% Time to recover from crashes
**7-10 years** 60-70% 30-40% Start protecting
**3-6 years** 30-50% 50-70% Less risk
**