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Notes on honest money.

In-depth articles on mutual funds, insurance, and personal finance in India. No fluff, no fund-of-the-month, no hype.

Insurance · Investing 9 May 2026 · 15 min read

ULIP vs Term Insurance + Mutual Fund: The 15-year math nobody shows you.

Most ULIP buyers don't realize they could have had ~₹6-8 lakh more wealth AND 10x the life cover for the same money. Here's the full math, the hidden charges, and when ULIPs actually make sense (rarely).

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