3 ideas
In India, inflation has historically run high enough that a nominally safe return, such as a fixed deposit, can lose purchasing power after inflation and tax. Evaluating any investment by its real, post-tax return rather than its headline rate shows which 'safe' choices are actually slow losses.
How money is split across equity, debt and gold drives most of a household's long-run outcome and risk, more than choosing individual stocks or funds. Deciding the mix first, then rebalancing to it, forces buying what has fallen and trimming what has risen without needing to forecast markets.
Investment guidance is shaped by how the person giving it earns money, so a fund manager's views on markets, gold or allocation should be weighed against the fact that they benefit when readers invest in managed products. Openly disclosing that stake lets readers discount for bias instead of taking the advice as neutral.