Founder
Kshitij Jain
Founder, NYVO · Principal Officer, NYVO Investment Advisor
Alumni of IIT Delhi and IIM Ahmedabad. Former consultant at BCG and part of the strategy team of slice. Founder of NYVO.
SEBI IA Registration: INA000022172 · Verify on SEBI →
Articles by Kshitij Jain
Taxation of Mutual Funds in India (FY 2025-26): Every Category, One Playbook
Equity, debt, hybrid, ELSS, arbitrage, international, gold, index, ETFs, FoFs – the complete FY 2025-26 tax treatment for every mutual fund category in India, with rates, holding periods, and worked examples.
SIP vs Lumpsum: Which Actually Wins in Indian Markets?
The honest comparison – backtested across rising, flat, and falling 20-year windows on the Nifty 50. When SIP wins, when lumpsum wins, and the middle path most investors miss.
Emergency Fund: How Much Do Indian Families Actually Need?
The generic 6× salary rule breaks for Indian households. Here's how to size an emergency fund by real monthly expenses, family structure, and risk.
Goal-Based Planning 101: Turning Life Into Numbers
Why product-first investing fails, and how to build a plan around five concrete goals – emergency fund, retirement, education, home, lifestyle – with real numeric targets.
Index vs Active Funds: The 2026 Indian Reality
SPIVA India numbers, expense ratio drag, where active still wins, and the core-satellite approach that most NYVO clients use.
Term vs Whole Life: The 60-Second Primer for Investors
The short version of why term always beats whole-life/ULIP/endowment for pure protection – plus where to go for the actual buying guide.
Health Cover for Active Investors: The Minimum You Need
Why one hospitalization can undo 5 years of SIPs – and the base + super-top-up architecture that every investor should own.
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