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The 30-30-40 Rule in Finance: Are You Building Freedom—or Just Paying Bills?
What Is the 30-30-40 Rule? Salary comes in, things feel sorted for a week… and then it’s back to watching every rupee again. Somewhere between rent, food, random spends, and a few “I’ll just buy this” moments, the money just disappears. And it’s not like you didn’t plan to save—you just never really had a system. That’s where the 30-30-40 rule quietly makes a difference. It gives your money some structure, so it doesn’t vanish before you even realize it. How the 30-30-40 Rule

Stay Informed With Sanil | Sanil Pinto
Apr 296 min read


Investment Outlook 2026: India Stocks, Gold & Silver – What’s Priced In and What Isn’t?
Markets are entering 2026 with strong narratives and even stronger prices. When almost everything looks “right,” the real risk often hides in what’s already priced in.

Stay Informed With Sanil | Sanil Pinto
Jan 47 min read


Nifty to Gold Ratio: The Secret Market Thermometer Every Investor Needs in 2025
The Nifty to Gold Ratio isn’t just a number—it’s a powerful market compass. With the ratio now near historic support, history suggests equities may be gearing up for strong gains while gold remains your safety net.

Stay Informed With Sanil | Sanil Pinto
Sep 21, 20254 min read


Diversify Your Portfolio With Investment In Sovereign Gold Bonds
Investment in Sovereign Gold Bonds (SGB) Series II: A Comprehensive Guide

Stay Informed With Sanil | Sanil Pinto
Sep 11, 20233 min read


Empower Your Financial Goals: Unlocking Dynamic Goal Mapping with Mutual Funds
I am excited to introduce a transformative feature on the NJ Ewealth platform - live tracking of your investment goals using Mutual Funds.

Stay Informed With Sanil | Sanil Pinto
Sep 9, 20233 min read


"Start Your Married Life on the Right Foot: A Guide to Financial Success for Newlyweds!"
"Start Your Married Life on the Right Foot: A Guide to Financial Success for Newlyweds!" Joint Budgeting The Key to Financial Harmony,

Stay Informed With Sanil | Sanil Pinto
Feb 14, 20232 min read
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