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Blogs


Physical vs Digital Gold - Which is better for investing?
Gold has always been a trusted investment and cultural symbol in India, but how should modern investors choose between traditional physical gold and emerging digital options like Gold ETFs? This blog compares physical gold (jewellery, coins, and gold savings schemes) with digital formats (ETFs, app-based gold, and Sovereign Gold Bonds) on key aspects like cost, returns, safety, liquidity, and taxation. Backed by a 5-year real-life investment comparison, we help you understand

Wealth Beacon Team
Jul 14, 20254 min read
Otto Money Newsletter - 12 July 2025
Dear Reader, We are not going to bore you with yet another post on Jane Street. Our job is to keep an eye out for things that impact your wealth and that requires filtering out the noise. In case you want to read our views on why F&O is a bad idea, you can read our older blog here. Markets have been on a downtrend in India since our last newsletter on 28th June where we pointed to elevated valuations. The critical earnings season has just started. The markets had run up in an

Otto Money
Jul 12, 20251 min read


“Good Loan, Bad Loan: Decoding Debt the Smart Way”
In this blog, we break down the key differences between good loans (like home or education loans that build wealth) and bad loans (like high-interest debt that funds short-term lifestyle expenses). Learn how to evaluate your borrowings, avoid common debt traps, and make smarter credit decisions — so loans become a tool, not a burden.

Wealth Beacon Team
Jul 10, 20252 min read


Invest with Purpose: Why Goal-Based Investing is Your Financial Superpower
Are you saving just to grow wealth — or for something more meaningful? This blog explores how goal-based investing transforms vague financial planning into a focused, emotionally grounded strategy. Learn how aligning investments with real-life goals like buying a house, funding education, or retiring early can bring clarity, discipline, and better decision-making — even in volatile markets.

Wealth Beacon Team
Jul 9, 20253 min read


Investing Lessons from Cricket: Think Like a Captain
Discover the art of investing with 'Investing Lessons from Cricket: Think Like a Captain.' Learn how cricket strategies can enhance your financial game.

Wealth Beacon Team
Jul 5, 20253 min read


Listed Bonds vs Debt MFs – Is There a Tax Alpha?
With Budget 2024 reducing LTCG tax on listed bonds, many investors wonder if they now outperform debt mutual funds. We modelled a falling interest rate scenario and found the tax edge is minimal — just 0.02% more in CAGR over 5 years. When you factor in liquidity, pricing, and complexity, debt mutual funds remain the more efficient and convenient choice.

Wealth Beacon Team
Jun 27, 20253 min read
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