top of page


Physical vs Digital Gold - Which is better for investing?
Gold has always been a trusted investment and cultural symbol in India, but how should modern investors choose between traditional physical gold and emerging digital options like Gold ETFs? This blog compares physical gold (jewellery, coins, and gold savings schemes) with digital formats (ETFs, app-based gold, and Sovereign Gold Bonds) on key aspects like cost, returns, safety, liquidity, and taxation. Backed by a 5-year real-life investment comparison, we help you understand

Otto Money
Jul 144 min read


“Good Loan, Bad Loan: Decoding Debt the Smart Way”
In this blog, we break down the key differences between good loans (like home or education loans that build wealth) and bad loans (like high-interest debt that funds short-term lifestyle expenses). Learn how to evaluate your borrowings, avoid common debt traps, and make smarter credit decisions — so loans become a tool, not a burden.

Otto Money
Jul 102 min read


Invest with Purpose: Why Goal-Based Investing is Your Financial Superpower
Are you saving just to grow wealth — or for something more meaningful? This blog explores how goal-based investing transforms vague financial planning into a focused, emotionally grounded strategy. Learn how aligning investments with real-life goals like buying a house, funding education, or retiring early can bring clarity, discipline, and better decision-making — even in volatile markets.

Otto Money
Jul 93 min read


Education Inflation - The monster you need to tame
One of the most cherished life goals for most families apart from retirement is funding their children’s higher education. However, what many underestimate is the sheer pace at which education costs are climbing. Unlike general inflation, which hovers around 5-6% in India, education inflation has consistently been in the range of 10-12% domestically and 5-7% internationally (in USD terms). Factor in currency depreciation, and the real impact is even more staggering for global

Otto Money
May 153 min read
bottom of page