Xfundz Investment Services

Picture this: you’re gliding across Lake Lucerne with the flower-decked Chapel Bridge glowing at sunset, the snow crown of the Matterhorn twinkling over Zermatt, and the fairytale valley of Lauterbrunnen sweeping past your panoramic train window. Switzerland isn’t just a trip—it’s a memory you’ll replay forever. The only thing that shouldn’t take your breath away is the bill. 💰 What does a Switzerland package from India cost (for 3 people)? Popular Indian operators list 6–8 night Switzerland or Swiss-combo group tours at roughly ₹1.45–₹2.75 lakh per person , depending on season, inclusions, and whether it’s Switzerland-only or a Europe combo. That means a comfortable budget for a family/group of three is ~₹4.5–₹7.5 lakh (flights, visas, stays, sightseeing and some meals—exact inclusions vary). Thomas Cook advertises Switzerland packages starting around ₹1.47 lakh per adult for 6–7 nights. MakeMyTrip lists 6N/7D Swiss/Swiss-combo tours in the ₹1.88–₹2.73 lakh per pe...

Rising education costs in India have made it essential for parents to plan early for their child’s future. According to recent studies, higher education expenses are increasing at nearly 10–12% per year ,  which means a course that costs ₹10 lakh today could cost more than ₹25 lakh in 15 years. This is why Systematic Investment Plans (SIPs) in mutual funds have become one of the most reliable and smart strategies for securing your child’s education.  In this article, we will discuss the Top 5 SIP Plans for Child’s Education in 2025 , why they are suitable, and how much you should ideally invest. Why Choose SIP for Child’s Education? Disciplined Investing – Monthly investments develop a habit of saving and ensure you stay on track with your goals. Power of Compounding – Small investments grow exponentially when compounded over 10–15 years. Inflation-Beating Returns – Equity-oriented mutual funds have historically delivered higher returns compared to traditional ...

Buying health insurance is one of the smartest financial decisions you can make for yourself and your family. Medical costs are rising rapidly in India, and even a short hospital stay can burn a big hole in your pocket. Unfortunately, many people rush into buying health insurance policies without carefully reviewing the fine print—and this leads to unpleasant surprises at the time of claim. If you are planning to buy a health insurance policy, it is very important to understand what to check before signing up. Here are the 4 most common mistakes to avoid when buying health insurance in India : 1. Agreeing to the Co-Payment Clause A co-payment clause means that the policyholder has to bear a fixed percentage of the hospital bill from their own pocket, while the insurer pays the rest. For example, if your policy has a 20% co-payment clause and your hospital bill is ₹5 lakh, you will have to pay ₹1 lakh yourself. Many buyers unknowingly accept policies with high co-payment clauses...

Financial freedom is a dream for many of us. It means having enough wealth so that you no longer need to work for money. Instead, your money works for you. Imagine waking up every morning knowing that your lifestyle is fully supported by your investments. That’s financial freedom – and the good news is, it’s possible for anyone who plans smartly. This guide explains how Systematic Investment Plans (SIPs) can help you reach that goal, even if you start small. Quick Takeaways 25× Rule: Target a corpus equal to 25 times your annual expenses for sustainable freedom. 4% Rule: Withdrawing about 4% yearly (inflation-adjusted) can last 30+ years historically. SIPs work for everyone: Start with as little as ₹500 and grow with salary hikes. Compounding power: ₹10,000/month at 12% ≈ ~₹1 crore in 20 years; ~₹3 crore in 30 years. In this post: What is Financial Freedom? • Why SIPs? • Your 7-Step Plan • SIP vs Traditional Options • Real Storie...

In the world of global investing, politics and economics often go hand in hand. Among the most influential relationships in Asia is the one between India and China —two of the fastest-growing economies and key players in the global supply chain. Recently, as the United States tightened tariffs on Chinese goods, Beijing has shown signs of engaging more actively with neighboring economies, including India. If India–China relations improve under this changing global scenario, there could be significant implications for investors. In our effort to explore How US Tariffs Shape Opportunities for Indian Mutual Fund Investors , Let’s now explore how a thaw in relations could reshape opportunities for Indian sectors and what it means for your mutual fund portfolio. India–China: From Rivalry to Pragmatic Cooperation The India–China relationship has historically been marked by both rivalry and cooperation. While border tensions and geopolitical differences remain, both nations also recogniz...

Why Loan Against Mutual Funds is Better Than Personal Loans When faced with urgent financial needs—whether it is medical expenses, education fees, travel plans, or business requirements—most people think of personal loans as the go-to solution. Banks and financial institutions aggressively market personal loans as a quick and convenient way to get funds. However, what many investors overlook is that if you already have mutual fund investments, you can unlock liquidity without disturbing your portfolio through a Loan Against Mutual Funds (LAMF) . In simple words, a Loan Against Mutual Funds allows you to pledge your existing holdings and borrow money against them. Unlike personal loans, you don’t need to liquidate your investments, and you can still enjoy the benefits of compounding returns. Let us explore why this option is not only smarter but also more cost-effective compared to traditional personal loans. 1. Lower Interest Rates One of the biggest disadvantages of persona...

Buy the Dip, Grow the Portfolio | Invest in Mutual Funds with Confidence Global financial markets are going through a phase of volatility. Rising interest rates, inflation concerns, geopolitical tensions, and economic slowdowns in developed economies have created uncertainty. Investors across the world are witnessing market corrections, and many feel nervous about their investments. But history has always shown one thing – corrections are temporary, growth is permanent . This is where the concept of “Buy the Dip, Grow the Portfolio” comes into play. Why Market Dips Should Not Scare Investors Market corrections are a natural part of equity investing. They occur when stock prices fall from their recent highs. While the headlines may sound alarming, long-term investors know that dips are often the best times to accumulate more units of quality mutual funds. By continuing SIPs or even adding lump sum investments during downturns, investors...