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Research-backed guides on personal finance, wealth building, and better financial decision making for Indian investors.
Investing · 21 May 2026 · Team Armor
If you've started a SIP without fully understanding what's happening underneath it, you're in good company. This post walks through the five return concepts every new Indian investor should know - simple interest, compound interest, absolute return, CAGR, and XIRR with worked examples, clean formulas, and one table that answers most of the questions you'll have.
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Investing · 20 May 2026 · Team Armor
ESOPs and RSUs are two of the most valuable benefits an Indian salaried professional can earn, and two of the most badly taxed if you don't plan around them. This guide walks through how the tax actually works in 2026, the four decisions that move your final number, and the five mistakes that quietly cost most employees lakhs on equity their company already paid them.
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Financial Planning · 15 Apr 2026 · Team Armor
Wealth is rarely built on a lucky gamble. It is architected through a deliberate, plan-first approach. At Armor, we have distilled the core of personal finance into 7 foundational steps: know your inflow, know your burn, pay your future self first, build a life-stage buffer, separate your time horizons, see your net worth in one view, and map every asset to a goal. Get these right and you have solved 80% of the problem.
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Product News · 14 Apr 2026 · Team Armor
We get our cars serviced, our blood tested, our CIBIL checked. But almost nobody has ever had their finances structurally assessed. Not their returns, not their balance but their actual financial architecture. Whether it's built to protect them, grow their wealth, and survive whatever comes next. That's what a financial health check is. And most Indians have never had access to one.
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Industry Insights · 09 Apr 2026 · Team Armor
You're in the top 2% of Indian earners. You invest. You're disciplined. So why does real wealth still feel out of reach? The answer usually isn't your portfolio, it's five structural leaks that's quietly draining it.
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Financial Planning · 09 Apr 2026 · Team Armor
Most people can name their financial goals in seconds. Very few have put a rupee figure, a deadline, and a monthly savings target on any of them. That gap between having goals and having a plan is where decades of financial shortfall quietly builds up. This is the framework to close it.
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Investing · 09 Apr 2026 · Team Armor
When markets are running hot, diversification feels like a handicap. But in every market cycle, something falls sharply and the investors who survive aren't the ones who picked the right asset. They're the ones who never had everything in the wrong one. Here's the four-pillar framework that keeps an Indian portfolio standing through every cycle.
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Savings · 09 Apr 2026 · Team Armor
Wealth creation for Indian families comes from a set of financial habits, built deliberately and repeated month after month. Here are the five that consistently separate families building wealth from those who aren't.
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Investing · 25 Mar 2026 · Team Armor
The Dopamine Gap explains why sometimes even smart investors with sound strategies still can't bring themselves to rebalance: selling a stock that's up 40% feels like a loss, and buying one that's down 20% feels like a mistake. In this post, we break down the three cognitive biases that make portfolio rebalancing the most-skipped financial habit and three practical strategies to overcome them, including the system-based approach that takes your emotions out of the equation entirely.
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