# New to Investing - [Zero to Investing](https://www.indiainvestments.wiki/start-here/zero-to-investing.md): Anyone who has no idea about how to start investing can start with this - [Getting Started](https://www.indiainvestments.wiki/start-here/zero-to-investing/getting-started.md): Part one of Zero to Investing series : for absolute beginners starting out with investing - [Part Two - Defensive Setup](https://www.indiainvestments.wiki/start-here/zero-to-investing/part-two-defensive-setup.md) - [Part Three - Spending Pattern](https://www.indiainvestments.wiki/start-here/zero-to-investing/part-three-spending-pattern.md) - [Part Four - How to Invest](https://www.indiainvestments.wiki/start-here/zero-to-investing/part-four-how-to-invest.md) - [Investment Philosophy and Strategy](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy.md): Basics of Investment Strategy Plan - [Basics of Investment Strategy Plan](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/basics-of-investment-strategy-plan.md) - [A simple Financial Planning Roadmap](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/a-simple-financial-planning-roadmap.md) - [Various types of Risks in Investments](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/various-types-of-risks-in-investments.md) - [Are you a Stock or Bond?](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/are-you-a-stock-or-bond.md): Evaluate yourself as having income like a stock or bond or somewhere mixed and then accordingly plan out your asset allocation on a personal level. - [Assets and Asset Allocation](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/assets-and-asset-allocation.md) - [Critical Mass](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/critical-mass.md): Critical Mass is a place in which individuals enjoy their own personal financial nirvana. Differentiation between earned income and assets is a fundamental lesson to learn when thinking in terms of it - [Asset Rebalancing](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/asset-rebalancing.md) - [Lumpsum or SIP/STP](https://www.indiainvestments.wiki/start-here/investment-philosophy-and-strategy/lumpsum-or-sip-stp.md) - [Insurance](https://www.indiainvestments.wiki/start-here/insurance-policies.md): Severe medical emergencies or sudden loss of income can be pretty ghastly to one's finances. An insurance policy acts as a shock absorber. Read more about various insurance policies here. - [Life](https://www.indiainvestments.wiki/start-here/insurance-policies/life.md): Life insurance and various forms of it. From ULIP to term insurance, check which one you need, and which one should avoid. - [Life Insurance: What it is exactly?](https://www.indiainvestments.wiki/start-here/insurance-policies/life/term-insurance.md): Term cover or life cover, that replaces your income in the event of demise; to help protect your dependents. Read along to understand what factors to keep in mind when buying a term cover. - [How to Evaluate Life Insurance Needs](https://www.indiainvestments.wiki/start-here/insurance-policies/life/how-to-evaluate-life-insurance-needs.md): Decide on a cover for your term insurance that works for you as the one paying premium every year, and works for your dependents who should receive a large sum if something were to happen to you - [ULIP - Unit Linked Insurance Plan](https://www.indiainvestments.wiki/start-here/insurance-policies/life/ulip.md): An opaque form of investment, that's costly for you, and doesn't adequately cover you. More importantly, you cannot exit if you choose to, not until maturity. - [Some FAQs on Life Insurance](https://www.indiainvestments.wiki/start-here/insurance-policies/life/faqs.md): Commonly asked queries on term / life insurance - [Links to Answers related to Life Insurance](https://www.indiainvestments.wiki/start-here/insurance-policies/life/links.md): External links, to common queries and responses, regarding term or life cover - [Health](https://www.indiainvestments.wiki/start-here/insurance-policies/health.md): All things health insurance - [Others: Disability / Home](https://www.indiainvestments.wiki/start-here/insurance-policies/others-disability-home.md): Disability and critical illness related cover. And home insurance too. - [Child Plan](https://www.indiainvestments.wiki/start-here/insurance-policies/child-plan.md): Investing in child plans - [All About Mutual Funds](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds.md): Beginner-oriented simple guide for all things mutual funds - [What is a Mutual Fund?](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/what-is-mutual-fund.md): Basics of everything mutual fund. NAV, underlying portfolio, expense ratio, dividend vs growth, NFO, and why one should invest in mutual funds. - [Types of Mutual Funds](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/types-of-mutual-funds.md): Different categories and sub-categories of mutual funds explained - [What and Why of Mutual Fund Ratings](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/what-and-why-mutual-fund-ratings.md): Star ratings are, at best, a lagging indicator. It can measure what has happened, and that might be very different from what will happen after you invest. - [How to Select a Mutual Fund](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/how-to-select-mutual-fund.md): With too many categories and thousands of mutual funds, it can get confusing when selecting mutual funds. Various selection strategies for mutual funds explained here - [FAQs for Mutual Funds](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/faqs.md): Commonly asked queries on mutual funds, and answers to those - [SIP and Mandates](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/sip-and-mandates.md): Different ways of setting up your SIP, and various types of mandates to enable automatic debit from bank account - [How to Become Crorepati using Mutual Funds](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/how-to-become-crorepati-using-mfs.md): How to use mutual funds and disciplined investing over the years, to let compounding generate wealth over long term - [Analysis using long term equity and debt funds in India](https://www.indiainvestments.wiki/start-here/all-about-mutual-funds/analysis-long-term-equity-and-debt-funds-india.md): Long term equity and debt portfolio, with different asset allocation tilts, and their outcomes - [Retirement](https://www.indiainvestments.wiki/start-here/retirement.md): Discussions on basic retirement planning and various strategies - [Primer on Retirement Planning](https://www.indiainvestments.wiki/start-here/retirement/retirement-planning.md): What is retirement planning? How to begin estimating how much you need as corpus when you retire? Read more here - [Why You should not Opt for a Readymade Pension Plan](https://www.indiainvestments.wiki/start-here/retirement/readymade-pension-plan.md): Perils of pension or annuity plans, or retirement plan mutual funds. - [Studies of Long Term Portfolios and Retirement Withdrawal Rate Suggestions](https://www.indiainvestments.wiki/start-here/retirement/long-term-portfolios-and-withdrawal-rate.md): When you retire with a large corpus, how do you go about withdrawing from that at a steady rate to sustain your lifestyle, while also letting the corpus grow? Here's what academia has to say on this. - [Do-It-Yourself Retirement Plan](https://www.indiainvestments.wiki/start-here/retirement/diy-retirement.md): A basic DIY retirement plan that's easy to execute and works for you - [Personal Finance](https://www.indiainvestments.wiki/start-here/personal-finance.md) - [Behavioral Biases](https://www.indiainvestments.wiki/start-here/behavioral-biases.md): Links to Reddit Posts and Articles/Books - [ELI5 Series](https://www.indiainvestments.wiki/start-here/eli5-series.md) - [Time Value of Money](https://www.indiainvestments.wiki/start-here/eli5-series/time-value-of-money.md): Time value of money implies that rupees paid or received in the future are different from the rupees paid or received today. - [Inflation](https://www.indiainvestments.wiki/start-here/eli5-series/inflation.md) - [Life Insurance](https://www.indiainvestments.wiki/start-here/eli5-series/life-insurance.md) - [ELI5 guide to Selecting an Equity Mutual Fund](https://www.indiainvestments.wiki/start-here/eli5-series/eli5-guide-to-selecting-an-equity-mutual-fund.md) - [How do I start investing in mutual funds \[ELI5 series\]](https://www.indiainvestments.wiki/start-here/eli5-series/how-do-i-start-investing-in-mutual-funds-eli5-series.md) - [Mis-selling of Insurance Products](https://www.indiainvestments.wiki/start-here/eli5-series/mis-selling-of-insurance-products.md) --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://www.indiainvestments.wiki/start-here.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.