Stable Investor has completed 10 years! This is a big milestone for me personally. And I thank God and all of you who joined me in this exciting and amazing journey. I hope to continue playing the long game. Thanks…
How are ULIPs taxed in India (2021-22)?
From 2018 to 2021, ULIPs had become the favorite of many (mostly HNIs) because of the exclusive tax-free status they enjoyed when compared to the then newly announced LTCG taxation of mutual funds. But this was changed in 2021 when…
7 money saving tricks for Students OR Anyone looking for Extra Side Income
A while back, a young college student mailed about an interesting topic. How can I save money that I earn on the sides? Are there any tricks to it? I immediately got transported to my college days when even I…
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(Quoted in Morningstar) Should you invest in Credit Risk Funds now?
Recently, my views on Should you invest in Credit Risk Funds at this juncture? were published on Morningstar (India). So if you are invested or planning to invest in Credit Risk Funds, then you might like to read Should you invest…
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Renting vs Buying
Most people would prefer to own a house one day. Eventually, if not immediately. This preference is sort of built into our psyche. But there are a few who feel it’s better to rent given the low rental yields on…
Why You Should Open a PPF account for Minor Children (2021)?
Should you open a PPF account for your children? The answer is YES. Can you open a PPF account for your children? Yes. The PPF account rules allow you to open a PPF account for minor children. And what is…
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Can Bitcoin be a Good Money Making Opportunity?
With Bitcoin (BTC) reaching yet another all-time high in October 2021, I am sure that the number of people who know about its existence by now would have doubled. And credit to so many TV, print, and social media promotions…
Keep these points in mind when applying for Personal Loans (2021)
People need money. All the time. At times for good things. And at times, for not such good ones (like medical or financial emergencies). So there is this constant worry that many have whether they would have enough money to…
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Lumpsum OR SIP in MFs?
Should you do a SIP or invest lumpsum? The war between SIP and lumpsum mode of investment is never-ending. And there are strong believers on both sides. Investors often read up tons of content on the internet to and then…
Best Ways to Save Income Tax for FY 2021-22
I know you don’t want to, but still, as law-abiding citizens of India, we must still pay income tax. That said, and before we discuss best ways for you to save income tax, let me remind you what I have…
Not Working for Money – Is it the Most Important Financial Goal?
I was thinking about financial goals and what is the most important one. I understand that different people will have different definitions of what's important or not. But if you think about it, isn’t the most important financial goal about…
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The Rise of Mutual Funds App in Indian Market
There was a time, in the mid-2000s (when I started investing in MFs) when it was not so simple to begin investing in mutual funds. Lots of paperwork, cheques, and time lags. But times have changed. With the advent of…
I can invest Rs 50,000 (50K) per month. How to start?
I got a mail from a young reader. Here is the summary: “I am 28 years old. Due to a job switch recently, I can now invest close to Rs 50,000 per month. I already have Rs 10,000 monthly EPF…
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Investing isn’t like speculating in Casinos
Many equate equity investing with gambling. And being in equity markets for more than one and a half decades, I don’t like this idea one bit. But due to this wrong comparison, people don’t give equities the importance it deserves.…
Accept Market Falls, If you want to create Wealth
In the last 23+ years (i.e. in 283 months between Jan-1998 and Jul-2021), the Sensex has ended with negative monthly returns on 118 occasions. This means that 118 of the 283 months have seen negative returns. That is 41.7% of…