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    <title>Foundation Wealth Blog</title>
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    <description>Mutual fund and financial planning insights from Hariprasath Loganathan, NISM-certified MFD in Karur, Tamil Nadu.</description>
    <language>en-IN</language>
    <lastBuildDate>Wed, 29 Apr 2026 08:27:03 GMT</lastBuildDate>
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      <title><![CDATA[Why every portfolio needs debt funds]]></title>
      <link>https://foundationwealth.in/blog/why-every-portfolio-needs-debt-funds</link>
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      <description><![CDATA[Most investors chase returns. Few think about what holds their portfolio together when markets fall. Debt funds are that foundation — and most investors are missing it.]]></description>
      <pubDate>Wed, 29 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[Debt mutual funds vs FD — which one should you choose]]></title>
      <link>https://foundationwealth.in/blog/debt-mutual-funds-vs-fd-which-one-should-you-choose</link>
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      <description><![CDATA[Debt mutual funds and fixed deposits both look safe — but the differences in liquidity, taxation, and returns matter more than most investors realise.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[Direct vs Regular mutual funds — the difference that costs lakhs over time]]></title>
      <link>https://foundationwealth.in/blog/direct-vs-regular-mutual-funds-the-difference-that-costs-lakhs-over-time</link>
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      <description><![CDATA[The same fund, the same manager, the same portfolio — but one version quietly transfers lakhs from your wealth to someone else's pocket.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[Fixed Deposits are not safe — they just feel safe]]></title>
      <link>https://foundationwealth.in/blog/fixed-deposits-are-not-safe-they-just-feel-safe</link>
      <guid isPermaLink="true">https://foundationwealth.in/blog/fixed-deposits-are-not-safe-they-just-feel-safe</guid>
      <description><![CDATA[The comfort of a fixed return is quietly destroying your purchasing power]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Fixed Deposits</category>
    </item>
    <item>
      <title><![CDATA[How inflation silently destroys your savings]]></title>
      <link>https://foundationwealth.in/blog/how-inflation-silently-destroys-your-savings</link>
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      <description><![CDATA[Your savings account balance is growing — but your actual wealth might be shrinking.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Financial Literacy</category>
    </item>
    <item>
      <title><![CDATA[How to build a portfolio from scratch with ₹5,000 a month]]></title>
      <link>https://foundationwealth.in/blog/how-to-build-a-portfolio-from-scratch-with-5000-a-month</link>
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      <description><![CDATA[₹5,000 a month is enough to start — if you set up goals first and funds second.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Goal-Based Planning</category>
    </item>
    <item>
      <title><![CDATA[How to build an emergency fund — and where to actually keep it]]></title>
      <link>https://foundationwealth.in/blog/how-to-build-an-emergency-fund-and-where-to-actually-keep-it</link>
      <guid isPermaLink="true">https://foundationwealth.in/blog/how-to-build-an-emergency-fund-and-where-to-actually-keep-it</guid>
      <description><![CDATA[Your emergency fund is only as good as the account you keep it in — most people get this wrong]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Financial Literacy</category>
    </item>
    <item>
      <title><![CDATA[How to plan a house purchase — the goal-based way]]></title>
      <link>https://foundationwealth.in/blog/how-to-plan-a-house-purchase-the-goal-based-way</link>
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      <description><![CDATA[Buying a home is a financial goal, not a financial emergency — plan the down payment like one and the rest becomes manageable.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Goal-Based Planning</category>
    </item>
    <item>
      <title><![CDATA[How to plan for your child's education — a step-by-step guide]]></title>
      <link>https://foundationwealth.in/blog/how-to-plan-for-your-childs-education-a-step-by-step-guide</link>
      <guid isPermaLink="true">https://foundationwealth.in/blog/how-to-plan-for-your-childs-education-a-step-by-step-guide</guid>
      <description><![CDATA[Education costs are rising at 8–10% a year — here's how to stay ahead of them with a four-step planning framework.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Goal-Based Planning</category>
    </item>
    <item>
      <title><![CDATA[Index funds vs actively managed funds — the honest comparison]]></title>
      <link>https://foundationwealth.in/blog/index-funds-vs-actively-managed-funds-the-honest-comparison</link>
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      <description><![CDATA[The index vs active debate has a clear winner in most markets — but India has some genuine nuance worth understanding.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[Insurance is not an investment — stop mixing the two]]></title>
      <link>https://foundationwealth.in/blog/insurance-is-not-an-investment-stop-mixing-the-two</link>
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      <description><![CDATA[Mixing insurance and investment sounds efficient — in practice, it delivers inadequate cover and poor returns on both fronts simultaneously.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Insurance</category>
    </item>
    <item>
      <title><![CDATA[Large Cap vs Mid Cap vs Small Cap — what actually belongs in your portfolio]]></title>
      <link>https://foundationwealth.in/blog/large-cap-vs-mid-cap-vs-small-cap-what-actually-belongs-in-your-portfolio</link>
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      <description><![CDATA[The cap category you pick matters less than knowing why you picked it — here is how to get that right.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[Retirement planning in your 30s — what the numbers actually say]]></title>
      <link>https://foundationwealth.in/blog/retirement-planning-in-your-30s-what-the-numbers-actually-say</link>
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      <description><![CDATA[The retirement corpus you need is larger than you think — here's exactly how to calculate it and build it starting in your 30s.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Goal-Based Planning</category>
    </item>
    <item>
      <title><![CDATA[SIP vs Lumpsum — which is better and when]]></title>
      <link>https://foundationwealth.in/blog/sip-vs-lumpsum-which-is-better-and-when</link>
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      <description><![CDATA[The SIP vs lumpsum debate misses the point — the real answer depends on when you have the money and where the market is.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[Step-up SIP — the simple trick to build wealth faster without feeling the pinch]]></title>
      <link>https://foundationwealth.in/blog/step-up-sip-the-simple-trick-to-build-wealth-faster-without-feeling-the-pinch</link>
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      <description><![CDATA[A 10% annual increase in your SIP can double your final corpus — and you will barely notice it leaving your account.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[The psychology of investing — why smart people make dumb money decisions]]></title>
      <link>https://foundationwealth.in/blog/the-psychology-of-investing-why-smart-people-make-dumb-money-decisions</link>
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      <description><![CDATA[Your biggest investment risk is not the market — it is the person making the decisions.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Financial Literacy</category>
    </item>
    <item>
      <title><![CDATA[The real cost of waiting — why starting at 25 beats starting at 35]]></title>
      <link>https://foundationwealth.in/blog/the-real-cost-of-waiting-why-starting-at-25-beats-starting-at-35</link>
      <guid isPermaLink="true">https://foundationwealth.in/blog/the-real-cost-of-waiting-why-starting-at-25-beats-starting-at-35</guid>
      <description><![CDATA[Ten years of delay costs more than ten years of extra investing — and the numbers prove it]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Financial Literacy</category>
    </item>
    <item>
      <title><![CDATA[Understanding risk — why your risk profile is not your age]]></title>
      <link>https://foundationwealth.in/blog/understanding-risk-why-your-risk-profile-is-not-your-age</link>
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      <description><![CDATA[Your age is not your risk profile — here is what actually determines how much risk you should take.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Risk &amp; Planning</category>
    </item>
    <item>
      <title><![CDATA[What happens to your mutual fund investment when the market crashes]]></title>
      <link>https://foundationwealth.in/blog/what-happens-to-your-mutual-fund-investment-when-the-market-crashes</link>
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      <description><![CDATA[Market crashes are not the end of your wealth — they are often the beginning of it.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
    </item>
    <item>
      <title><![CDATA[What is a hybrid fund and when should you use one]]></title>
      <link>https://foundationwealth.in/blog/what-is-a-hybrid-fund-and-when-should-you-use-one</link>
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      <description><![CDATA[Hybrid funds sit between equity and debt — knowing which type to use, and when, can make them a powerful tool or an unnecessary complication.]]></description>
      <pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate>
      <category>Mutual Funds</category>
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