# cms.finbharat.org


## Posts

- [Give your fixed deposits a calendar.](https://cms.finbharat.org/fixed-deposit-ladder-money-with-a-calendar/): School fees, repairs and future plans rarely arrive together. Explore how an FD ladder works—and what withdrawal terms, deposit insurance, tax and inflation change.
- [Seven mutual funds. How many different risks?](https://cms.finbharat.org/more-funds-not-more-diversification/): More fund names can hide the same underlying bets. A closer look at portfolio overlap, the job of a SIP and the dates that should shape your investing decisions.


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