Explore Kompass IQ Insights

Because discipline matters—but mindset matters more. Becoming debt-free isn’t just a financial goal—it’s an emotional one. You start strong, fueled by a fresh budget, big intentions, and a strong “why.” But then, life happens. Progress feels slow. Emergencies throw off your timeline. Friends take vacations while you say no. And that once-exciting goal starts to feel like a grind.

You don’t get what you deserve. You get what you ask for—smartly. Most people assume that financial terms—interest rates, EMIs, credit card fees, or even broadband bills—are fixed. But the truth is, many of them are negotiable.

Because sometimes peace of mind is more valuable than returns. A few years ago, I got a call from a client at 11 p.m. He sounded calm, but I could hear the storm behind his voice. His father had just been admitted to the ICU. A routine check-up had spiraled into something critical. No one had seen it coming. And he needed ₹3 lakh by morning. He had equity investments. Good ones. He had SIPs, ELSS, and even gold ETFs. But what he didn’t have was liquidity.

Because managing your money shouldn’t feel like punishment. Let’s be honest: the word "budget" rarely excites anyone. Most people associate it with: Cutting back Saying no Constant guilt Never having fun But here’s the truth: a good budget doesn’t restrict you—it liberates you. It puts you in control of your money, instead of your money controlling you.

It’s not just about the drive—it’s about what drives your decision. For many, a car is both a necessity and a lifestyle choice. But when it’s time to get one, a key question arises: Should you lease or buy?

No credit history? No problem—if you know how to create one the right way. When it comes to getting a loan, a credit card, or even a home loan down the road, your credit score can be your biggest ally—or your biggest hurdle. But what if you have no credit score at all?

Investing isn't about chasing perfection—it's about sticking to a plan that works well enough, long enough. In the world of mutual funds, one thing derails investor journeys more than volatility or taxes: unrealistic expectations. Whether it’s expecting: 15–20% annual returns every year No negative years ever Immediate results from SIPs in 6–12 months —unrealistic expectations often lead to disappointment, panic-selling, or overtrading.

Why invest only in India, when the world is your opportunity? Most Indian investors build portfolios heavily tilted toward domestic stocks and mutual funds. And while India offers long-term growth potential, geographical concentration comes with its own risks.

In investing, what you don’t see can hurt you. Expense ratios are the perfect example. Most investors are laser-focused on returns. “How much did this fund give last year?” “Which scheme has the highest 5-year CAGR?” But few pause to ask: “What did it cost me to earn those returns?” Enter the expense ratio—the annual fee that mutual fund houses charge to manage your money.

Need a place to park your money for a day or two—without letting it sit idle? Enter Overnight Funds. Investors often face this dilemma: “I have surplus cash for a few days or weeks—where should I keep it? Bank savings account? Fixed deposit? Something better?” If your goals are capital protection, easy liquidity, and marginally better returns than savings accounts, Overnight Funds might be exactly what you need.

Earning returns is one thing. Keeping more of them is where real planning starts. Investing in mutual funds or stocks isn’t just about selecting the right products. It’s also about understanding how and when to exit—so that taxes don’t quietly erode your gains.

Sometimes, the smartest strategy is the simplest one. When most investors think about mutual funds, they imagine fund managers picking stocks, chasing alpha, and “beating the market.” But what if the best long-term strategy wasn’t to beat the market—but to simply match it?

For those who want more than FDs, but less than equity exposure—this is your middle ground. Not every investor is chasing aggressive returns. Some want steady growth, limited volatility, and a cushion against market swings—especially retirees, first-time investors, or those preserving wealth near a life goal. That’s where Conservative Hybrid Funds come in.

When everything is urgent, nothing gets done. Investing is no different. Many investors start their financial journey with good intentions: “I want to save for a house, retirement, my child’s education, a new car, and travel every year.” But without prioritization, they end up doing a little bit of everything—and not enough of anything.

You’re not just investing to grow your money—you’re investing to grow your purchasing power. Many investors look at portfolio performance and feel satisfied with an 8% or 9% return. But what if inflation is quietly eating into those gains? This is where inflation-adjusted returns, also known as real returns, become crucial. It’s not about how much your money has grown in numbers—it’s about how much more it can buy.

Not all investors want to take big risks. Conservative hybrid funds offer a middle path—with stability and smart equity exposure. If you’re someone who wants to grow your wealth without riding the full wave of equity market volatility—or if you're approaching retirement and want some equity upside but limited risk—there’s a mutual fund category tailored just for you: 👉 Conservative Hybrid Funds, also known as Conservative Advantage Funds.

Want diversification but don’t want to pick every fund yourself? FoFs might just be your shortcut—if you use them wisely. If you’ve ever felt overwhelmed by the number of mutual fund options—large-cap, mid-cap, hybrid, international, sectoral—you’re not alone.

Buying a home shouldn’t come at the cost of your peace of mind. A home is one of the biggest investments you’ll ever make—emotionally and financially. But before you even sign up for a home loan, there’s the big question: “How will I afford the down payment?”

You can’t avoid taxes—but you can definitely plan for them. When it comes to investing, returns are only one part of the equation. What truly matters is what you take home after tax.

Because the car of your dreams shouldn't turn into the EMI of your nightmares. Buying a car is one of life’s exciting milestones—your first taste of independence, mobility, and lifestyle upgrade. But it’s also a financial decision that, if not handled smartly, can drain your savings or delay other important goals.