The third episode of our Mutual Fund Series for 2026 explains the dual-cost framework of Gold FOFs, why it differs from index mutual funds, and how the expense ratio and tracking error together determine investor outcomes.

You will also see a data-backed comparison of leading Gold ETFs, practical illustrations on tracking efficiency, and why a higher-cost fund can still deliver better returns.

Top 3 shortlisted Gold ETFs:

• UTI Gold ETF

• ICICI Prudential Gold ETF

• TATA Gold ETF

Best Gold ETF by Finology: ICICI Prudential Gold ETF

Best Gold MF by Finology: ICICI Prudential Regular Gold Savings Fund- Direct plan growth

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• Explore The Courses: https://tinyurl.com/personal-finance-yt

• Join F30's waitlist: https://recipe.finology.in/app/stocks

This episode looks at how ETFs are actually bought and sold, how liquidity is provided, and how transaction mechanics influence the real cost of ownership for retail investors. The focus is on understanding the structure behind ETFs and how it differs from index mutual funds in practice.The goal of this discussion is clarity. Once the mechanics are understood, cost comparisons become more intuitive and investment choices more deliberate.

• Explore The Courses: https://tinyurl.com/personal-finance-yt

• Join F30's waitlist: https://recipe.finology.in/app/stocks

This second episode of the Mutual Fund Series for 2026 focuses on Large Cap Funds, explained with data, index comparisons, and clear guidance on where they fit in long-term investing.

• Explore The Courses: https://tinyurl.com/personal-finance-yt

• Join F30's waitlist: https://recipe.finology.in/app/stocks

The first of Pranjal's Mutual Fund Series for 2026.We’re starting with Liquid Funds, the most undiscovered category in mutual funds.

Learn how to evaluate liquid funds, how they compare to savings accounts and FDs, and how to actually use them as a financial tool.

Think research reports are helping you invest? Think again.

Most look impressive, but behind the jargon and five-year forecasts, they’re often more confusing than useful.

In this episode, Pranjal breaks down how unrealistic projections get dressed up as insights, why complexity becomes a shield, and how investors get trapped in numbers.

PPFAS just launched a scheme with a simple structure and a sharp purpose.

In this episode, Pranjal breaks down what makes it different, the gap it tries to fill in today’s equity market, and why its execution philosophy matters for long-term investors.

Most people don’t pick the wrong mutual fund; they pick the wrong category.

In this episode, Pranjal talks about a simple, goal-linked way to choose the right mix of equity and debt, estimate your future cost, and calculate the SIP that actually gets you there.

You’re about to get absolute clarity on the best term insurance plans for 2026.

In this episode, you’ll see how a strict, research-driven process filters 21 insurers down to the ones that can actually protect your family decades from now.

You’ll walk through the 4 filters that matter most:

• Claim Settlement Ratio (4-year average)
• Amount Settlement Ratio (4-year average)
• Solvency Ratio
• Annual Business Volume

By the end, you’ll know the Top 2 Term Insurance Picks for 2026, and exactly how to choose a policy that gives your family long-term security and gives you real peace of mind.

You’ve probably been tempted by finance seminars at some point, but most of them sell dreams, not real education.

In this episode, Pranjal shares his personal experience and reflections on why these seminars often fail to give you genuine value.

They charge high fees, lean on emotional marketing, and recycle advice that barely scratches the surface. True financial learning doesn’t come from flashy promises or motivational speeches, but from understanding, applying, and questioning.

Listen in to see why attending finance seminars can be a big mistake, and discover what real financial education should look like for you.

A few years ago, Pranjal was all for real estate. Then experience, and a few costly lessons, flipped his view.

In this episode, he reveals what changed: why under-construction projects aren’t as dreamy as they look, when land can actually beat flats, and the hidden traps most investors miss.

If you’ve ever thought, “Maybe I should buy property,” listen to this before you do.