Manas Money Blog
Thane
Best Financial Advisors in Thane: A Checklist That Works on Anyone
How to evaluate a financial advisor in Thane — registration, revenue model, review cadence and the five questions to ask. Includes the Thane landscape, and how to discount our own bias.
7 min read
Mutual Funds
Direct vs Regular Mutual Funds: The 0.9% Saving vs the 1.2% Behaviour Cost
Direct plans are cheaper by about 0.5–1.0% a year. But direct only makes sense with zero advice, and the behaviour gap is larger than the fee gap. Here is the full arithmetic.
8 min read
Fees
Fee-Only RIA vs Mutual Fund Distributor: Which Model Actually Costs You More?
A SEBI RIA charges a fee whether your portfolio grows or not. A mutual fund distributor is paid a trail commission only while your corpus exists. Here is the arithmetic, and where each model genuinely wins.
9 min read
Tax
Mutual Fund Taxation in India: LTCG, STCG and the ₹1.25 Lakh Trap
Equity mutual fund LTCG is taxed at 12.5% above ₹1.25 lakh per year, STCG at 20%. Debt funds are taxed at slab rate. Here is how the rules actually work in FY 2026-27, and how to sequence redemptions.
8 min read
Article
Financial Advisor for Doctors in India
Financial planning for doctors and medical professionals in India. Handling lumpy income, presumptive taxation under 44ADA, professional indemnity, and the ₹4–5 lakh monthly SIP problem.
Article
Financial Advisor in Mumbai
CA-led financial planning and mutual fund advisory for Mumbai investors. ESOP and RSU planning, property-heavy balance sheets, and portfolio reviews across the Mumbai Metropolitan Region.
Article
Financial Advisor in Wagle Estate, Thane West
Manas Money's office is in Wagle Estate, Thane West. CA-led financial planning, mutual funds and portfolio reviews for MIDC business owners, professionals and families in Ram Nagar, Road 28 and the Ghodbunder Road belt.
Article
Mutual Fund Distributor in Thane (AMFI Registered, ARN-330576)
Looking for a mutual fund advisor in Thane? Manas Money is an AMFI-registered mutual fund distributor in Wagle Estate, Thane West. Goal-based portfolios, periodic reviews, no separate advisory fee.
Article
NRI Financial Planning in Thane: NRE, NRO and Repatriation
NRI financial planning from Thane. NRE/NRO structuring, mutual fund investing, PIS accounts, repatriation limits and cross-border tax, handled by CA Manas Madrecha.
Article
Portfolio Review in Thane: Fix the 14-Fund Problem
Independent portfolio review in Thane. Find overlap, correct risk mismatch, cut unnecessary expense ratios and rebalance without triggering avoidable capital gains tax.
Article
Retirement Planning in Thane: Corpus, Inflation and Withdrawal
Retirement planning in Thane by CA Manas Madrecha. Work out the real corpus after inflation, build a bucket strategy across EPF, NPS and mutual funds, and plan a withdrawal rate that survives a 30-year retirement.
Article
SIP Advisor in Thane: How Much to Invest, and How to Not Stop
SIP advisory in Thane from CA Manas Madrecha. Size your monthly SIP, choose the right categories for each goal, set up step-ups, and keep the plan running through corrections.