The Plainspeak / Compare

Compare

Money choices, compared honestly

The big money questions are usually a choice between two or three options. Each page here works one choice through with real numbers, gives a short answer, and says plainly when the other option is the better one for you.

Insurance

Endowment or term plus investing?

One guaranteed plan worked through, and the four cases where it wins.

Loans

Prepay the home loan or invest?

The rate your investments have to beat, and who should do which.

Tax saving

PPF vs ELSS vs NPS

Which one, in which tax regime, and for which money.

Safe money

FD or debt fund?

After the 2023 tax change, what still separates them.

Already hold a policy and wondering whether to get out? Use the surrender check.

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