A few days back, to the relief of many, RBI announced a 3-month Moratorium for borrowers. As the entire country is locked down to prevent the spread of coronavirus, you will agree that many people will now be impacted by…
Coronavirus reminds – Emergencies don’t wait for Emergency Fund
Maybe I shouldn't use the Coronavirus pandemic to give any advice. It doesn’t feel right, to be honest. But what to do - when things are normal and routine, people don’t listen. It’s only when things get out of hand…
RBI’s 3 Month Loan EMI Moratorium: Should you Opt for it?
To provide relief to the borrowers who are facing possible disruption of income due to coronavirus-triggered nation wide lockdowns and its spillover effects on the economy), the RBI has announced 3 Month Moratorium for borrowers. And more specifically, this moratorium…
Extension for Tax Saving in FY 2019-20: Till 30th June 2020
As the country has been locked-down for next few weeks (and hopefully not more) due to Coronavirus, there is some relief for tax savers. Many were anxious about missing the due date of March 31, 2020 for investing in tax…
Stable Investor on WhatsApp + Telegram. Join FREE!
Hope you all are safe and healthy in these times. Thousands of you have already subscribed to Stable Investor’s emails. And I am thankful that every now and then, you allow my mails to pop up in your inboxes. 🙂 But…
Don’t Forget this ONE Thing about Mean Reversion
This is going to be a very small post. I tweeted this today. “Many people (me included) are of the view that this mean reversion was long due. But 'mean reversion' doesn’t imply that things stop at mean only. Mathematically,…
What After -20% Correction? [Short Analysis]
Yesterday, I sent out a note to my clients about the on-going market correction. And while talking to one of them, he asked me how much lower could the Nifty go? Since I don’t have a crystal ball, I could…
As Markets Fall, Don’t Forget…
Markets have been falling around us. Reasons are many. Some known ones like Coronavirus fear, expectations that global economy will take a hit because of that, escalating oil wars, still expensive valuations, one private bank’s fiasco and what it means…
State of Indian Stock Markets (March 2020)
This is the February 2020 update (with a few additional days' data and up to 6th March 2020) for the State of Indian Stock Markets. This update includes the historical analysis (since 1999, i.e. about 20+ years) and Heat Maps for the key ratios…
5-year Nifty Return Analysis (+ ‘Next’ 2 year Returns)
Many people treat 5 years as long term. I don’t. But generally, 5 years is a sufficiently long period when it comes to investing in equity and comparing the returns with safer debt options like debt funds, PPF, fixed deposits,…
Avoidable Investment Products!
Every financial product sold has a person behind it. And like you and me, that person too needs to earn money to live. Naturally, she/he will do everything to sell that product to you so that she/he can earn a…
Check Eligibility before Applying for Personal Loan during Unexpected Cash Crunch
More and more people are taking personal loans in India. And if I remember correctly, I read some report that said that the personal loans now form a major chunk of the overall number of loans being disbursed in India…
Personal Loan Or Credit Cards: Which to Use & When?
You need money and you don’t have money. And why do you need it? Assuming its for genuine reasons like medical expenses, temporary disruption in your cashflows, urgent unplanned travelling, etc., what are your options then? (Let’s skip borrowing money…
If all Income Tax Exemptions are Removed?
The Budget 2020 reworked the income tax slabs. Now, 2 tax regimes will co-exist and give taxpayers a choice. The old one comes with higher tax rates but offers a host of exemptions and deductions. The new one will have…
New Vs Old Tax Slabs FY 2020-21: Which is Better + Calculator
The Budget 2020 proposed to restructure the income tax slabs. So it's natural that people will begin asking: Which is better for tax-payers in India: New Tax Slab or Old Tax Slab from Financial Year 2020-21 onwards? And to be…