# Personal finance **URL:** https://tradingqna.com/c/personal-finance/14.md [Latest](https://tradingqna.com/latest.md) · [Categories](https://tradingqna.com/categories.md) --- ## [About the Personal finance category](https://tradingqna.com/t/about-the-personal-finance-category/9178)
**Author:** [@Bhuvan](https://tradingqna.com/u/Bhuvan)\ **Replies:** 12\ **Last updated:** [August 29, 2024, 11:53am UTC](https://tradingqna.com/t/about-the-personal-finance-category/9178 "2024-08-29T11:53:57Z")
You can post all your queries related to mutual funds here. --- ## [International exchange trade funds (ETFs) will stop accepting fresh inflows. Here's what it means](https://tradingqna.com/t/international-exchange-trade-funds-etfs-will-stop-accepting-fresh-inflows-heres-what-it-means/162688)
**Author:** [@Bhuvan](https://tradingqna.com/u/Bhuvan)\ **Replies:** 72\ **Last updated:** [October 16, 2026, 6:16am UTC](https://tradingqna.com/t/international-exchange-trade-funds-etfs-will-stop-accepting-fresh-inflows-heres-what-it-means/162688 "2026-10-16T06:16:50Z")
SEBI has asked AMFI to direct all asset management companies to restrict inflows into international exchange traded funds (ETFs). What does this mean? SEBI has prescribed the following limits for international mutual fu… --- ## [What should someone in their 20s focus on to build a strong financial foundation?](https://tradingqna.com/t/what-should-someone-in-their-20s-focus-on-to-build-a-strong-financial-foundation/198172)
**Author:** [@Arjun\_C](https://tradingqna.com/u/Arjun_C)\ **Replies:** 6\ **Last updated:** [October 9, 2026, 4:41am UTC](https://tradingqna.com/t/what-should-someone-in-their-20s-focus-on-to-build-a-strong-financial-foundation/198172 "2026-10-09T04:41:06Z")
I am in my 20s and have recently started earning, but unsure what I should prioritize first? Is it building an emergency fund, saving a fixed portion of my income, investing through SIPs, managing expenses, or getting a… --- ## [Are you really even getting 7% returns on total portfolio?](https://tradingqna.com/t/are-you-really-even-getting-7-returns-on-total-portfolio/198383)
**Author:** [@Aditya\_Gupta](https://tradingqna.com/u/Aditya_Gupta)\ **Replies:** 12\ **Last updated:** [September 30, 2026, 1:36am UTC](https://tradingqna.com/t/are-you-really-even-getting-7-returns-on-total-portfolio/198383 "2026-09-30T01:36:09Z")
Around 2 years ago, I made this post. Everything is at All Time High, where to invest money? - General - Trading Q&A by Zerodha - All your queries on trading and markets answered Elections were there 3 months prior to t… --- ## [What would make you switch to a new personal finance platform?](https://tradingqna.com/t/what-would-make-you-switch-to-a-new-personal-finance-platform/196972)
**Author:** [@Arjun\_C](https://tradingqna.com/u/Arjun_C)\ **Replies:** 9\ **Last updated:** [September 28, 2026, 9:19am UTC](https://tradingqna.com/t/what-would-make-you-switch-to-a-new-personal-finance-platform/196972 "2026-09-28T09:19:30Z")
If you were already using a spreadsheet or finance app, what would convince you to switch to another personal finance platform? Better investment tracking? Net-worth dashboard? Financial goals? Insurance tracking? Tax t… --- ## [What’s the Best Way to Create a Monthly Budget?](https://tradingqna.com/t/what-s-the-best-way-to-create-a-monthly-budget/197896)
**Author:** [@Arjun\_C](https://tradingqna.com/u/Arjun_C)\ **Replies:** 1\ **Last updated:** [September 25, 2026, 9:04am UTC](https://tradingqna.com/t/what-s-the-best-way-to-create-a-monthly-budget/197896 "2026-09-25T09:04:52Z")
What budgeting method works best for managing income, expenses, savings, and investments without making the process too complicated? Are there any free online tools or apps that can help automate budgeting and expense tr… --- ## [Is investing as little as ₹100 in gold through online apps really worthwhile?](https://tradingqna.com/t/is-investing-as-little-as-100-in-gold-through-online-apps-really-worthwhile/198344)
**Author:** [@Arjun\_C](https://tradingqna.com/u/Arjun_C)\ **Replies:** 4\ **Last updated:** [September 25, 2026, 1:52am UTC](https://tradingqna.com/t/is-investing-as-little-as-100-in-gold-through-online-apps-really-worthwhile/198344 "2026-09-25T01:52:48Z")
While digital gold offers easy access, flexibility and a low entry point, should an investor consider platform or custodian risks, price spreads, storage or other charges, taxation and limited regulatory protection. How … --- ## [Traders! Suggest bank account for HUF](https://tradingqna.com/t/traders-suggest-bank-account-for-huf/172989)
**Author:** [@entice](https://tradingqna.com/u/entice)\ **Replies:** 16\ **Last updated:** [September 19, 2026, 12:25pm UTC](https://tradingqna.com/t/traders-suggest-bank-account-for-huf/172989 "2026-09-19T12:25:52Z")
Hey fellow traders, is there a private bank account which allows online ASBA facility or UPI for IPO applications in HUF name? Online ASBA is preferred. --- ## [Which five numbers should you review regularly to understand your financial health, and how often should you check them?](https://tradingqna.com/t/which-five-numbers-should-you-review-regularly-to-understand-your-financial-health-and-how-often-should-you-check-them/198256)
**Author:** [@Arjun\_C](https://tradingqna.com/u/Arjun_C)\ **Replies:** 2\ **Last updated:** [September 19, 2026, 8:34am UTC](https://tradingqna.com/t/which-five-numbers-should-you-review-regularly-to-understand-your-financial-health-and-how-often-should-you-check-them/198256 "2026-09-19T08:34:54Z")
I have been trying to understand financial health beyond just tracking monthly expenses. Which five numbers should a person review regularly to get a realistic picture of their financial position? As lotsa people say, it… --- ## [Which is a better option for investing in gold: Gold ETF, Gold ETF FoF, or Sovereign Gold Bonds (SGBs)?](https://tradingqna.com/t/which-is-a-better-option-for-investing-in-gold-gold-etf-gold-etf-fof-or-sovereign-gold-bonds-sgbs/198252)
**Author:** [@KaranAggarwal](https://tradingqna.com/u/KaranAggarwal)\ **Replies:** 4\ **Last updated:** [September 19, 2026, 5:54am UTC](https://tradingqna.com/t/which-is-a-better-option-for-investing-in-gold-gold-etf-gold-etf-fof-or-sovereign-gold-bonds-sgbs/198252 "2026-09-19T05:54:54Z")
I’m looking to invest in gold as part of my long-term portfolio and would like to understand which option may be more suitable. How do Gold ETFs, Gold ETF FoFs, and existing SGBs on the secondary market compare in terms … --- ## [Which SIP platform would you recommend for long-term investing: Zerodha Coin, Groww, Kuvera, ICICI Direct or another platform?](https://tradingqna.com/t/which-sip-platform-would-you-recommend-for-long-term-investing-zerodha-coin-groww-kuvera-icici-direct-or-another-platform/197063)
**Author:** [@Bhumika\_Goel](https://tradingqna.com/u/Bhumika_Goel)\ **Replies:** 5\ **Last updated:** [September 17, 2026, 11:39am UTC](https://tradingqna.com/t/which-sip-platform-would-you-recommend-for-long-term-investing-zerodha-coin-groww-kuvera-icici-direct-or-another-platform/197063 "2026-09-17T11:39:28Z")
Hi everyone, I am 24 years old and just starting my investment journey. I plan to invest ₹500–₹1,000 per month through SIPs for the long term (20–30+ years). I may continue living in India, or I may move abroad in the … --- ## [Passive Fund Analysis for DIY Investors](https://tradingqna.com/t/passive-fund-analysis-for-diy-investors/197751)
**Author:** [@passive\_investor](https://tradingqna.com/u/passive_investor)\ **Replies:** 7\ **Last updated:** [September 11, 2026, 1:04pm UTC](https://tradingqna.com/t/passive-fund-analysis-for-diy-investors/197751 "2026-09-11T13:04:22Z")
Hi everyone, Whenever I sit down to plan financial goals, compare index funds, or evaluate yield instruments, I often find myself juggling multiple spreadsheets or factsheets from various AMC’s and outdated calculators … --- ## [Should I keep money in goldetf instead of fd](https://tradingqna.com/t/should-i-keep-money-in-goldetf-instead-of-fd/197346)
**Author:** [@iLikeTaxCheat](https://tradingqna.com/u/iLikeTaxCheat)\ **Replies:** 5\ **Last updated:** [August 27, 2026, 12:47pm UTC](https://tradingqna.com/t/should-i-keep-money-in-goldetf-instead-of-fd/197346 "2026-08-27T12:47:38Z")
Gold/goldetf (for example mirae with 0.3% fees) gives better return than fd and is as safe or maybe even safer than fixed deposit. So does it makes more sense for me to shift money from bonds and fd to goldetf? Am I wron… --- ## [How can I park IPO funds temporarily while earning better returns and managing the tax impact?](https://tradingqna.com/t/how-can-i-park-ipo-funds-temporarily-while-earning-better-returns-and-managing-the-tax-impact/197374)
**Author:** [@ValueSeeker26](https://tradingqna.com/u/ValueSeeker26)\ **Replies:** 3\ **Last updated:** [August 24, 2026, 3:11pm UTC](https://tradingqna.com/t/how-can-i-park-ipo-funds-temporarily-while-earning-better-returns-and-managing-the-tax-impact/197374 "2026-08-24T15:11:58Z")
I have ₹20 lakh that I plan to deploy in IPOs, but keeping it in SBI savings gives very little interest. Banks like IDFC FIRST offer better rates, but I would prefer to avoid unnecessary tax impact on the interest. Would… --- ## [Why an emergency fund is not an investment](https://tradingqna.com/t/why-an-emergency-fund-is-not-an-investment/194358)
**Author:** [@VigyaanVest](https://tradingqna.com/u/VigyaanVest)\ **Replies:** 1\ **Last updated:** [August 19, 2026, 12:10pm UTC](https://tradingqna.com/t/why-an-emergency-fund-is-not-an-investment/194358 "2026-08-19T12:10:49Z")
An emergency fund’s job is not to grow your wealth. Its job is to stop a bad month from becoming a financial crisis. This distinction matters because many beginners judge every pool of money by return. That can lead to … --- ## [Life Insurance or Health Insurance](https://tradingqna.com/t/life-insurance-or-health-insurance/161119)
**Author:** [@Venkatramanan](https://tradingqna.com/u/Venkatramanan)\ **Replies:** 7\ **Last updated:** [August 14, 2026, 10:25am UTC](https://tradingqna.com/t/life-insurance-or-health-insurance/161119 "2026-08-14T10:25:39Z")
Hey guys! My age is 21 and I am currently working in IT Sector. I am considering to buy insurances, but I am not sure which one to go first(health or life). As I have to invest my savings, I am currently be able to save… --- ## [Super top-up health insurance?](https://tradingqna.com/t/super-top-up-health-insurance/183062)
**Author:** [@RahulNR](https://tradingqna.com/u/RahulNR)\ **Replies:** 4\ **Last updated:** [August 10, 2026, 6:53am UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062 "2026-08-10T06:53:09Z")
Hi everyone, I’ve noticed that Ditto, a popular insurance advisory platform does not offer Super Top-Up health insurance plans, something I was looking at for better cost-to-benefit coverage. Given that Super Top-Ups a… --- ## [Please recommend Health Insurance providers](https://tradingqna.com/t/please-recommend-health-insurance-providers/196754)
**Author:** [@raghav.95](https://tradingqna.com/u/raghav.95)\ **Replies:** 8\ **Last updated:** [August 7, 2026, 11:49am UTC](https://tradingqna.com/t/please-recommend-health-insurance-providers/196754 "2026-08-07T11:49:35Z")
My father is aged \> 65 He wants to port his policy . Not every provider offers the option to port for a person of his age. Our current company is harassing in claim settlement , asking too much paperwork repeatedly. --- ## [Park funds with immediate withdrawal option?](https://tradingqna.com/t/park-funds-with-immediate-withdrawal-option/196659)
**Author:** [@raghav.95](https://tradingqna.com/u/raghav.95)\ **Replies:** 4\ **Last updated:** [August 4, 2026, 3:25pm UTC](https://tradingqna.com/t/park-funds-with-immediate-withdrawal-option/196659 "2026-08-04T15:25:39Z")
the savings account in my government bank just gives 2.5% return , whereas any debt mutual funds / liquid funds takes t+1 days to settle and withdraw. So any option which gives a higher return and provides instant liqui… --- ## [How to Start Investing When You Know Nothing About Finance](https://tradingqna.com/t/how-to-start-investing-when-you-know-nothing-about-finance/184062)
**Author:** [@Investrack](https://tradingqna.com/u/Investrack)\ **Replies:** 4\ **Last updated:** [July 31, 2026, 7:40am UTC](https://tradingqna.com/t/how-to-start-investing-when-you-know-nothing-about-finance/184062 "2026-07-31T07:40:12Z")
Starting your investment journey can feel overwhelming, especially if you’re not from a finance background. The good news is—you don’t need to be an expert to get started. Begin with small steps like setting aside a port… --- ## [How much commissions did mutual fund distributors earn in 2017-18 and who were the top earners?](https://tradingqna.com/t/how-much-commissions-did-mutual-fund-distributors-earn-in-2017-18-and-who-were-the-top-earners/41806)
**Author:** [@Abhishek87](https://tradingqna.com/u/Abhishek87)\ **Replies:** 7\ **Last updated:** [July 31, 2026, 5:28am UTC](https://tradingqna.com/t/how-much-commissions-did-mutual-fund-distributors-earn-in-2017-18-and-who-were-the-top-earners/41806 "2026-07-31T05:28:05Z")
I was reading an article on some news portal which showed how much commissions mutual fund distributors earned in 2017-18. Where is data published and can someone post the numbers for the last year? How much commissions… --- ## [To Create multiple Folios in a Single Mutual Fund](https://tradingqna.com/t/to-create-multiple-folios-in-a-single-mutual-fund/196072)
**Author:** [@M\_T\_L](https://tradingqna.com/u/M_T_L)\ **Replies:** 5\ **Last updated:** [July 18, 2026, 7:14pm UTC](https://tradingqna.com/t/to-create-multiple-folios-in-a-single-mutual-fund/196072 "2026-07-18T19:14:00Z")
Hello, Is there an option to create a new folio number in a Mutual Fund for segregating and tracking the investments separately for different goals? For Example, I’m investing for my ‘Retirement’ goal in a Mutual Fund … --- ## [Amateur - Looking for feedback on diversifying (or over diversifying?) my long-term portfolio and get some insights/advice from veterans](https://tradingqna.com/t/amateur-looking-for-feedback-on-diversifying-or-over-diversifying-my-long-term-portfolio-and-get-some-insights-advice-from-veterans/195615)
**Author:** [@noob\_one](https://tradingqna.com/u/noob_one)\ **Replies:** 12\ **Last updated:** [July 10, 2026, 7:54am UTC](https://tradingqna.com/t/amateur-looking-for-feedback-on-diversifying-or-over-diversifying-my-long-term-portfolio-and-get-some-insights-advice-from-veterans/195615 "2026-07-10T07:54:46Z")
About me I’m in my early 20s, and this is the first time I’m building a proper long-term portfolio. My investment horizon is 20+ years, and I have a pretty high risk appetite, so I’m okay with volatility as long as the … --- ## [Advice for retirement corpus](https://tradingqna.com/t/advice-for-retirement-corpus/182802)
**Author:** [@randombytes2025](https://tradingqna.com/u/randombytes2025)\ **Replies:** 7\ **Last updated:** [June 25, 2026, 3:22am UTC](https://tradingqna.com/t/advice-for-retirement-corpus/182802 "2026-06-25T03:22:46Z")
Hello everyone, I am a 42 years male with a 38 year old wife and a 6 month baby. I earn Rs 1,30,000 per month and I have a salary structure with a 10% cut (retainer basis). My current investments are: PPF for 15 yea… --- ## [How should I trade gap up/gap down days](https://tradingqna.com/t/how-should-i-trade-gap-up-gap-down-days/195048)
**Author:** [@VInayKarthik23](https://tradingqna.com/u/VInayKarthik23)\ **Replies:** 10\ **Last updated:** [June 20, 2026, 4:21pm UTC](https://tradingqna.com/t/how-should-i-trade-gap-up-gap-down-days/195048 "2026-06-20T16:21:38Z")
Hey comm ! I am beginner swing trader trading EOD charts … and I usually panic or don’t take the trade when I see a gap up/gap down in the market, even when there is a B+/A- setup. For example, if I have a bullish setu… --- ## [\[Beta\] Introducing National Pension Scheme (NPS)](https://tradingqna.com/t/beta-introducing-national-pension-scheme-nps/145123)
**Author:** [@Bhuvan](https://tradingqna.com/u/Bhuvan)\ **Replies:** 123\ **Last updated:** [June 4, 2026, 7:46am UTC](https://tradingqna.com/t/beta-introducing-national-pension-scheme-nps/145123 "2026-06-04T07:46:30Z")
You can now invest in the National Pension Scheme (NPS) on Coin. This is still in beta so please do check it out and let us know if you spot any issues. About NPS NPS is a retirement pension scheme and is pretty similar… --- ## [Why does INDMoney force me to use its app?](https://tradingqna.com/t/why-does-indmoney-force-me-to-use-its-app/187906)
**Author:** [@Praavi](https://tradingqna.com/u/Praavi)\ **Replies:** 2\ **Last updated:** [May 24, 2026, 1:56pm UTC](https://tradingqna.com/t/why-does-indmoney-force-me-to-use-its-app/187906 "2026-05-24T13:56:44Z")
When trying to open a new account in INDMoney for investing in US stocks, it is asking me to complete the verification / setup process through its app. Is that the only way? I can’t do it through website? --- ## [Invest in ecommerce business](https://tradingqna.com/t/invest-in-ecommerce-business/193839)
**Author:** [@Eve](https://tradingqna.com/u/Eve)\ **Replies:** 1\ **Last updated:** [May 7, 2026, 3:32am UTC](https://tradingqna.com/t/invest-in-ecommerce-business/193839 "2026-05-07T03:32:07Z")
Hi folks I have an idea to invest some money to an ecommerce shops cause I feel it’s going to kill soon. So have you ever been in that kind of business? What platforms do you prefer sellvia mall shopify wix? --- ## ["Time in the market is better than timing the market" 🤣](https://tradingqna.com/t/time-in-the-market-is-better-than-timing-the-market/193609)
**Author:** [@BB789](https://tradingqna.com/u/BB789)\ **Replies:** 0\ **Last updated:** [April 28, 2026, 2:51pm UTC](https://tradingqna.com/t/time-in-the-market-is-better-than-timing-the-market/193609 "2026-04-28T14:51:14Z")
Bank for International Settlements, Real Residential Property Prices for China \[QCNR628BIS\], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/QCNR628BIS, April 28, 2026. https… --- ## [Guide to selecting a health insurance policy by Ditto](https://tradingqna.com/t/guide-to-selecting-a-health-insurance-policy-by-ditto/153512)
**Author:** [@ShubhS9](https://tradingqna.com/u/ShubhS9)\ **Replies:** 1\ **Last updated:** [April 8, 2025, 6:03am UTC](https://tradingqna.com/t/guide-to-selecting-a-health-insurance-policy-by-ditto/153512 "2025-04-08T06:03:29Z")
48% of medical bills are paid out-of-pocket in India States such as U. P., Kerala, Bihar, Andhra Pradesh & Punjab go up to 71% :rotating\_light: That’s because most people don’t have a health plan or their cover isn’t s… [Next page](https://tradingqna.com/c/personal-finance/14.md?page=1)