Pratheek Suryadev
Novelty Wealth
Articles
86 articles by Pratheek Suryadev
personal-financeFinancial Goals: A Practical Guide for Indian Families
Financial goals give your money direction. Learn how to set realistic goals, prioritise competing priorities, account for inflation, and stay on track over time.
personal-financeLifestyle Inflation: How to Enjoy Income Growth Without Derailing Your Financial Goals
Earning more doesn't always mean building more wealth. Discover how lifestyle inflation affects savings, net worth, and long-term financial goals—and what you can do about it.
personal-financeNet Worth Calculation: A Beginner-Friendly Guide for Indian Families
Net worth is one of the simplest ways to measure your financial health. Learn how to calculate it, what to include, common mistakes to avoid, and how to track your progress over time.
mutual-funds12 Mutual Fund Myths Every Indian Investor Should Stop Believing
Learn about common mutual fund myths and understand the facts behind popular misconceptions that can influence investment decisions.
mutual-funds15 Common Mutual Fund Mistakes (And How to Avoid Them)
Learn about common mutual fund investing mistakes and understand how investors can avoid errors that may affect their financial decisions.
mutual-fundsExit Load in Mutual Funds: Meaning, Calculation & Practical Examples
Learn what exit load in mutual funds means, when it applies, how it is calculated, and what investors should consider before redeeming units.
mutual-fundsRolling Returns vs CAGR in Mutual Funds: A Practical Guide for Indian Investors
Learn the difference between rolling returns and CAGR, and understand how each metric is used to evaluate mutual fund performance.
mutual-fundsNAV in Mutual Funds: Meaning, Calculation, and How Investors Should Use It
Learn what NAV (Net Asset Value) means, how it is calculated, and why it matters when evaluating mutual funds.
mutual-fundsSystematic Withdrawal Plan (SWP) in Mutual Funds: A Complete Guide for Indian Investors in 2026
Learn how Systematic Withdrawal Plans (SWPs) work, how withdrawals are processed, and when investors use them in mutual funds.
mutual-fundsSystematic Transfer Plan (STP) in Mutual Funds: Complete Guide for Indian Investors
Learn how Systematic Transfer Plans (STPs) work, their benefits, and how investors use them to gradually transfer money between mutual fund schemes.
mutual-fundsIndex Funds in India: A Beginner-Friendly Guide
Understand how index funds work in India, how passive investing compares to active funds, and what investors should know before investing.
mutual-fundsHybrid Mutual Funds Explained: Types, Benefits, and Risks
Learn how hybrid mutual funds combine equity and debt to balance risk and returns in your investment portfolio.
mutual-fundsHow to Build a Mutual Fund Portfolio: A Complete Guide
Discover how to build a mutual fund portfolio step by step. Learn asset allocation, diversification, and strategies for better returns.
mutual-fundsMutual Fund Portfolio Rebalancing: When and How to Do It
Learn when and how to rebalance your mutual fund portfolio to manage risk and maintain the right asset allocation.
mutual-fundsLarge Cap vs Mid Cap vs Small Cap Funds: Key Differences Explained
Compare large cap, mid cap, and small cap mutual funds to understand their risk, returns, and role in your portfolio.
mutual-fundsDebt Funds vs Fixed Deposits: Which Is Better for You
Compare debt mutual funds and fixed deposits to understand which option suits your risk, returns, and liquidity needs.
mutual-fundsExpense Ratio in Mutual Funds: Meaning, Impact, and How to Choose
Learn what expense ratio in mutual funds means, how it impacts your returns, and how to choose the right funds for long-term investing.
mutual-fundsDirect vs Regular Mutual Funds: Which One Should You Choose
Understand the difference between direct and regular mutual funds. Learn how costs, returns, and guidance impact your investment decisions.
mutual-fundsWhat Is NAV in Mutual Funds: Meaning, Calculation, and Importance
Understand what NAV in mutual funds means, how it is calculated, and why it matters for your investments. A simple guide for investors.
mutual-fundsHow Mutual Funds Work: A Simple Guide for Beginners
Discover how beginners can choose the best mutual funds in India. Learn how mutual funds work and build a strong investment foundation.
mutual-fundsHow to Choose the Right Mutual Funds in India for Long-Term Investing
Discover how to select the best mutual funds for long term in India. Learn about compounding, fund types, and smart investing strategies.
mutual-fundsHow to Choose the Right Mutual Funds in India for Beginners
Learn how to choose the best mutual funds for beginners in India. Understand risk, fund types, and how to start investing with confidence.
mutual-fundsBest SIP Mutual Funds in India: How to Choose the Right Funds
Learn how to choose the best SIP mutual funds in India based on your goals, risk, and time horizon. Make smarter investment decisions with a structured approach.
mutual-fundsHow to Choose the Right Mutual Funds in India
Discover mutual fund picks in India for smart investors. Make informed choices to enhance your portfolio. Read the article for insights!
personal-financeCan you withdraw 100% of your EPF? New EPF Rules explained
EPFO has merged 13 withdrawal categories into 3 and cut the minimum service period to 12 months. Here is what changed, how much you can withdraw, and which form you need.
newsAI wealthtech startup Novelty Wealth raises $1.4M led by IndiaQuotient
Novelty Wealth, a SEBI-RIA licensed wealthtech startup, has raised $1.4M led by IndiaQuotient to scale its AI-powered advisory platform for Indian investors.
family-financesFamily Budgeting Fundamentals: How to Create a Monthly Budget That Actually Works
Stop wondering where your money goes. Master family budgeting fundamentals with our step-by-step guide to creating a sustainable, stress-free monthly budget.
investmentsThe Ultimate Guide to Investment Tracking
Learn how to track your investments across apps, funds, and accounts without missing anything.
investmentsGoal-Based Investing in India: How to Plan Investments for Life Goals
Plan your investments around life goals like retirement, education, and buying a home: without chasing random returns.
taxTax Loss Harvesting India: A Guide for FY 2025–26
Learn how tax loss harvesting works in India for FY 2025–26. Discover how to offset capital gains with losses, reduce taxes, and manage your investments more efficiently.
taxCapital Gains Tax on Property in India (FY 2025–26): Complete Guide
Understand capital gains tax on property in India for FY 2025–26. Learn how to calculate STCG and LTCG, use indexation, and save tax with Sections 54, 54F, and 54EC.
taxTax on Mutual Funds in India: STCG, LTCG, and Debt Fund Taxation Explained
Understand how mutual funds are taxed in India for FY 2025–26. Learn the rules for equity and debt funds, STCG vs LTCG, SIP taxation, dividends, and tax-saving strategies.
taxCapital Gains Tax: How Different Investments Are Taxed in India (FY 2025-26)
Understand how different investments are taxed in India for FY 2025–26. Learn tax rules for shares, mutual funds, gold, fixed deposits, bonds, and property.
taxCapital Gains Tax on Shares in India (FY 2025-26): STCG vs LTCG Made Easy
Confused about capital gains tax on shares? This guide explains STCG vs LTCG, tax rates, and how stock market gains are taxed in India for FY 2025–26.
taxCapital Gains Tax in India (FY 2025–26, AY 2026–27)
A complete guide to capital gains tax in India for FY 2025–26. Understand STCG vs LTCG rules, tax rates across asset classes, and practical examples for shares, gold, property, and foreign investments.
family-financesWhy Every Modern Household Needs a Family Finance CFO
Most families manage money reactively. The smartest ones don’t. Learn how adopting a Family CFO mindset can turn everyday finances into a strategy for lasting wealth.
taxWhat is Liquidity Funds? Meaning, How They Work, Benefits & Taxation
Discover how to make your idle cash work harder. This comprehensive guide explains liquid funds—low-risk debt mutual funds that offer better return potential than a savings account with high liquidity. Learn how they work, the tax implications post-2023, and how to use them for emergency funds or systematic investment planning.
taxSet Off and Carry Forward of Losses: How to Use Your Losses to Pay Less Tax in India
Turn losses into tax savings. This guide breaks down how set-off and carry forward rules work under Indian tax law—so you can reduce taxable income, optimise across income sources, and make smarter financial decisions year after year.
mutual-fundsDifference Between SIP and Mutual Fund Explained
Confused between SIP and mutual funds? Learn the real difference, compare SIP vs lump sum and RD, and understand which investment route fits your financial goals best.
mutual-fundsThinking of Investing in NFO Mutual Funds? Read This Before You Decide
Thinking about investing in NFO mutual funds? Learn how they work, key risks, IPO differences, and how to decide if a new fund offer fits your portfolio goals.
taxNew Tax Regime vs Old Tax Regime: Which One Saves You More in 2026
Choosing between the old and new tax regime can impact your tax savings and investments. Learn how slab rates, deductions, and exemptions differ and which regime may work better for your income profile.
mutual-fundsWhat is a Balanced Advantage Fund and How Does it Work?
Discover how balanced advantage funds dynamically shift between equity and debt to manage risk, reduce volatility, and support long-term wealth creation for moderate investors.
mutual-fundsOpen-Ended or Closed-Ended Funds: What Fits Your Goals?
Open-ended or closed-ended funds? Explore the real differences in liquidity, pricing, and control so you can make smarter investment decisions that truly align with your life goals, time horizon, and need for flexibility as your financial priorities evolve over time.
personal-financeIs Your Emergency Fund Bigger Than It Needs to Be?
An emergency fund covers surprises without forcing loans or selling investments. Keep only the instant-access layer in a savings account, park the next layer in FDs, and use liquid or money market funds for short-term parking while staying low risk.
investmentsGold ETF or Gold Mutual Fund: What Should You Choose in 2026?
Gold ETF or gold mutual fund? Learn how gold MF vs gold ETF differ in costs, tax treatment, liquidity, and overall investment experience before allocating gold in your long-term portfolio.
investmentsWhy are Investors Moving from Physical Gold to Paper Gold?
Investors are increasingly shifting from physical gold to paper gold. This blog explains the key differences, benefits, and risks. Learn how to choose the smarter gold investment for your goals.
taxWhat Is Tax Harvesting and How Can It Save You Money?
Learn how tax harvesting helps investors save money by reducing capital gains tax through planned selling of investments, while maintaining portfolio balance and long-term wealth creation objectives.
family-financesJoint Tax Filing for Married Couples
An optional joint taxation system could lower tax outgo for many Indian families. Understand how ICAI’s proposal may impact your household finances.
investmentsWhat Is XIRR in Mutual Funds? Learn How It Differs from CAGR
XIRR shows your annualized mutual fund return when investments happen on different dates, such as SIPs, because it factors each cash flow timing. On the other hand, CAGR assumes one start-to-end investment and smooth growth, so it can misread staggered contributions.
investmentsULIP vs Mutual Fund: Difference, Returns & What to Choose
ULIPs and mutual funds serve different purposes, yet they are often compared only on returns. A ULIP combines life insurance with market-linked funds and a mandatory 5-year lock-in. A mutual fund is a pure pooled investment. ULIPs carry insurance-policy charges; mutual funds are usually more liquid with simpler costs and clearer pricing.
union-budgetLandmark Budget Moves That Shaped India's Taxes, Businesses & Economy
Explore the landmark Union Budget decisions that reshaped personal taxes, corporate policy, and India’s investment landscape (from liberalisation to GST to ₹12 lakh tax-free income) and what they mean for investors today.
union-budgetFiscal Deficit, Revenue Deficit & Primary Deficit: What They Mean for Investors
Confused by budget terms like fiscal deficit, revenue deficit, and primary deficit? This guide breaks down what these government deficits actually mean and how they influence interest rates, gilt funds, inflation, and your mutual fund investments.
union-budgetUnion Budget STT Hike 2026: Impact for Traders and Investors in India
The Union Budget 2026 has introduced the biggest Securities Transaction Tax (STT) hike on derivatives in India’s history. Here’s what the new STT rates mean for F&O traders, investors, and your overall trading strategy — and how rising transaction costs could impact your long-term returns.
investmentsHedge Funds vs Mutual Funds: Risky Choice or Smart Move?
A hedge fund is a private pool for HNIs/institutions using tools like short selling, leverage, and derivatives. A mutual fund is a regulated public pool that buys diversified stocks or bonds for retail investors. People confuse them because both pool money, but they differ in access, disclosure, liquidity, and fees.
mutual-fundsWhat Is the Sortino Ratio and How Can It Help You Pick Better Funds?
The Sortino Ratio is a risk-adjusted metric that focuses on downside risk rather than overall volatility. This guide explains what it is, how it works, and how investors can use it to evaluate mutual funds more effectively.
bondsAre Sovereign Gold Bonds Worth Buying in 2026?
Sovereign Gold Bonds offer a paper-based way to invest in gold while earning interest and avoiding storage concerns. This blog explains SGB investments, returns, benefits, risks, and comparisons with physical gold and Gold ETFs for long-term portfolio planning.
personal-financeRetirement Planning in India: What Actually Works
Retirement planning in India goes beyond just EPF contributions. This comprehensive guide covers what is retirement planning, debunks common myths about government schemes, explains the step-by-step process of building a retirement corpus, compares early vs late planning, reviews major retirement options including NPS and PPF, discusses voluntary retirement readiness, and shows how platforms like Novelty Wealth make retirement planning structured and realistic for Indian families.
mutual-fundsWhat Are ELSS Funds and How Do They Work?
ELSS funds are equity-based mutual funds that save tax under Section 80C while offering long-term growth. This guide covers how they work, lock-in period, expected returns, taxation, and comparisons with other tax-saving options like PPF and NSC.
taxHow Different Investments Are Taxed in India
Understand how different investments are taxed in India, including mutual funds, SIPs, debt funds, and ETFs. Learn how holding periods, capital gains, and redemptions impact your post-tax returns and why tracking matters for investors.
mutual-fundsHow Compounding Multiplies Returns in Mutual Fund Investments
If you aim to build long-term wealth through systematic investing, the secret is none other than compounding in mutual funds. In this comprehensive guide, learn how compound interest works in mutual funds, which fund type maximises returns, and the power of SIP compounding versus lump sum investments. Learn the importance of starting early rather than investing large amounts and the common mistakes that break compounding.
mutual-fundsWhat Are Aggressive Hybrid Funds and Should You Invest in Them?
Aggressive hybrid funds offer a mix of equity growth and debt stability, ideal for investors seeking higher returns with moderate risk. Explore how they work and if they fit your goals.
personal-financeHow to Maximise Tax Savings Using LTA Exemption
LTA (Leave Travel Allowance) helps salaried employees save tax on travel within India. This guide explains rules, claim limits, eligible expenses, and tips for planning your LTA effectively.
bankingUnderstanding Fixed Deposit TDS in India’s Tax System
TDS is the tax that the bank deducts before crediting your income. On fixed deposits, it is applied to FD interest once it crosses the yearly threshold, reducing what you receive but counting toward your final tax. Indians choose FDs for predictable returns, capital safety, and steady interest income for goals.
taxFinancial Calendar 2026 India: Key Income Tax Due Dates & ITR Filing Deadlines
Stay on top of India’s 2026 financial deadlines with this comprehensive tax calendar. Track ITR filing dates, advance tax instalments, TDS deposits, and investment proof submissions to avoid penalties and optimise tax planning throughout the year.
personal-financeDoes the 50/30/20 Budget Rule Really Work?
The 50/30/20 rule is one of the most searched budgeting frameworks because it feels simple enough to start today. But real life has rent spikes, EMIs, lifestyle creep, and goals that do not fit neat boxes. Find out how the 50/30/20 budget rule works, where people struggle with it, and how to adjust it without losing discipline. In such cases, Novelty Wealth helps you track what you actually spend, save, and invest, so a budget rule stays practical.
family-financesStruggling to Control Family Expenses? How to Smartly Plan Your Finances
Struggling to manage family expenses? Learn how to create a simple monthly family budget, track spending, avoid common mistakes, and use smart tools to gain better control and build long-term financial security.
personal-financeHow Subscriptions Are Quietly Draining Your Wealth
Small subscriptions feel harmless—but they compound into massive wealth leaks. This blog shows how OTT, apps, and forgotten tools quietly drain your money, the ₹54-lakh opportunity cost, and a simple framework to audit, cancel, and redirect savings into SIPs.
investmentsShould Your Wealth Go Global in 2026?
International investing is easier for Indian investors—but outcomes depend on structure. This blog explains global diversification, premiums, fees, estate tax risks, rupee depreciation, and the smartest routes for building international exposure in 2026.
mutual-fundsThinking of Investing in Gilt Funds? Here’s What Most Investors Miss
Gilt funds invest in government securities, so credit risk stays low, but returns can still swing. Gilt fund returns rise and fall mainly with interest rates because bond prices move opposite to yields. A longer holding period helps you judge gilt fund performance more fairly. Novelty Wealth helps track gilt mutual funds in one view and compare periods.
stocksCall vs Put Options: How They Affect Your Portfolio
Options are contracts that derive value from an underlying share or index. This guide for beginners breaks down call option vs put option, so you know when a call vs put option tends to align with bullish or protective goals. The aim is to comprehend key terms like strike price, premium, expiry, and moneyness through simple examples to interpret payoff behavior before action.
investmentsInvesting in Silver and Copper: Understanding the Market Dynamics
Silver and copper are at record highs, driven by electrification, AI infrastructure, and five years of supply shortages. This blog explains the fundamentals, speculative risks, China’s export controls, and what Indian investors should know before investing.
personal-financeFIRE Movement: Financial Independence Retire Early in India
How Indians use the FIRE movement to retire early — financial independence strategies, FIRE number calculation, and planning tools from Novelty Wealth.
mutual-fundsAre Your Mutual Funds Doing Well? A Complete MF Performance Analysis Guide
Learn how to analyse mutual fund performance using Sharpe ratio, rolling returns, benchmark comparison, alpha, and beta — a complete MF analysis guide.
stocksFundamental Analysis of Stocks: A Complete Guide for Long-Term Investors
A complete guide to fundamental analysis of stocks — financial ratios, types, and how to analyse Indian stocks using Novelty Wealth.
portfolio-managementAI Portfolio Management: Track, Optimise & Fix Your Portfolio
Discover how AI-powered portfolio management helps you track returns, fix overlap, and optimise your mutual funds. A complete guide for Indian investors.
mutual-fundsSIP vs Lumpsum: Which Investment Strategy Works Best for You?
Confused between SIP and lump sum investing? Learn the key differences, return potential, and behavioural factors to help salaried professionals choose the right mutual fund investment strategy based on goals, cash flow, and risk comfort.
personal-financeChoosing the Right Financial Solutions for Your Goals
Struggling to grow your money or feel uncertain about your finances? The right financial solutions start with clear financial goals. Learn how goal-based planning helps you avoid costly mistakes, make smarter investment choices, and build long-term financial security with structured decision-making.
mutual-fundsMutual Fund Portfolio Analysis: How to Improve Your Investment Performance
Investing regularly but unsure why your goals still feel distant? This guide shows how to analyse your mutual fund portfolio, spot hidden risks and overlap, and make smarter adjustments for more reliable long-term returns.
personal-financeTrying to Increase Your Savings? Smarter Investing Makes It Easier
Explore intelligent investing with a strategic approach to grow savings faster. Learn mindful investing, high return investing ideas, safest investment options, and how AI-driven wealth management helps beginners invest smarter.
personal-financeDecode Your Money Personality for 2026
Before you set new financial goals for 2026, Understanding your money personality is the first step toward smarter financial decisions in 2026. Whether you're a Procrastinator, Risk Cowboy, Spreadsheet Monk, Overthinker, or Silent Saver, recognizing your habits can help you make clearer, more intentional choices. Novelty Wealth offers personalized insights and guidance to bring clarity to your financial journey.
personal-financeStop Losing Track of Your Salary with an Expense Tracker
Many salaried professionals earn well yet struggle with a mid-month money crunch - not because they overspend, but because they lack visibility. This blog explains why tracking daily expenses is essential, how small unnoticed transactions drain salaries, and how a smart expense tracker brings clarity, control, and peace of mind to everyday finances.
personal-financeRetirement Strategy: How to Invest Your 25x+ LCM
A comprehensive guide to the 25x Lifestyle Comfort Multiple (LCM) retirement strategy. Learn how to allocate 10x in debt and 15x in equity, implement smart withdrawal rules, and avoid common retirement planning mistakes for financial security.
mutual-fundsSWP in Mutual Funds: A Tax-efficient Retirement Income Strategy
Generate predictable retirement income using Systematic Withdrawal Plans in debt mutual funds, paying taxes only on gains while maintaining flexibility, capital preservation, and protection against inflation over time.
mutual-fundsMFCentral (MF Central): Best Mutual Funds to Track & How to Use It
Track all your mutual funds in one place with MF Central. Free, SEBI-authorised, covers Nippon India and 40+ AMCs. A complete guide for Indian investors.
personal-financeHow To Turn AI Into Your Everyday Money-Saving Partner
Unlock the power of AI to boost your personal finance game. Learn how to use AI-driven tools to track spending, optimize savings, and make smarter investment choices. From budgeting to financial planning, discover how AI can be your 24/7 money-saving partner, helping you manage and grow your wealth effortlessly.
investmentsComplete Guide to SIP Investment: Building Wealth Systematically
Systematic Investment Plans (SIP) offer a disciplined way to grow wealth over time. This guide walks you through the process of SIP investing, highlighting its benefits, how to choose the right mutual funds, and tips for maximizing returns. Start building your wealth consistently and strategically with SIP to achieve your long-term financial goals.