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(FREE Download) Financial Goal Planning Excel Worksheet

by Dev AshishMay 11, 2017January 15, 202112 Comments

My last post - All you need to know about your REAL Financial Goals was received extremely well. And given that it was almost 3500 words long, I was happy to see that many of you did read it 'completely' 🙂 and mailed…

Read More (FREE Download) Financial Goal Planning Excel Worksheet

Financial Planning, Personal Finance financial goals, Financial Planning

Gold FAQs: Gold Bonds and Gold ETFs

by Dev AshishJanuary 12, 2021January 15, 2021Leave a comment

Traditionally and since ancient times, we Indians have had an affinity for gold. Or I should put it as the ‘love for gold’. We buy gold all the time. Or at least we try to buy it (just ask the…

Read More Gold FAQs: Gold Bonds and Gold ETFs

Personal Finance

(Quoted: Hindustan Times) Why MF should be a household product in India?

by Dev AshishDecember 22, 2020December 18, 2020Leave a comment

I recently got quoted in the national daily paper Hindustan Times. It was for their coverage on why mutual funds should be part of every Indian household's portfolio. You can check the quote and the full article at this link.

Personal Finance

You did what you could till now. But…

by Dev AshishDecember 21, 2020December 15, 2020Leave a comment

Few days ago, I was talking to someone who was unhappy with his personal finances. Or let’s say he was… terribly unhappy. He was constantly blaming himself for all past mistakes and his unstable, unpredictable and weak personal financial situation.…

Read More You did what you could till now. But…

Personal Finance

How to pick Liquid Funds (2021)?

by Dev AshishDecember 14, 2020November 21, 2020Leave a comment

Liquid funds are well known as good instruments for short-term investments. But do you know where they invest and how to pick the right ones? We discuss all this in this post. So… What are liquid funds? Liquid funds are…

Read More How to pick Liquid Funds (2021)?

Mutual Funds

Stories We Tell Ourselves & Want to Believe In

by Dev AshishDecember 13, 2020November 16, 2020Leave a comment

Around March thsi year (and even last year), few relatives called me up to ask whether they should invest in financial products X or Y or Z among many others… X = Traditional Endowment & Moneyback plans by insurance companies…

Read More Stories We Tell Ourselves & Want to Believe In

General

Liquid Funds Vs. Overnight Funds: Which is Better?

by Dev AshishDecember 11, 2020November 21, 2020Leave a comment

Do you know what is the difference between Liquid fund and Overnight fund? In this post, we discuss what is overnight fund and how it differs from a liquid fund? What is an Overnight Fund? Overnight Fund is a category…

Read More Liquid Funds Vs. Overnight Funds: Which is Better?

Mutual Funds

Why Save? Maybe for ‘THIS’ Unseen Thing

by Dev AshishDecember 10, 2020November 20, 2020Leave a comment

Unless you are ultra-rich or have a business churning out unmanageably uninvestable levels of cash ;-), it is important to save some money. In this context, I have already written about a common dilemma that people face- Spend Today or…

Read More Why Save? Maybe for ‘THIS’ Unseen Thing

General

Don’t Buy ‘Return of Premium Term Plans’

by Dev AshishDecember 8, 2020November 21, 2020Leave a comment

It is a no brainer that when it comes to life insurance, its best to purchase term insurance policies. By paying a very small premium every year (generally a few thousand rupees), you get a large life insurance cover. And…

Read More Don’t Buy ‘Return of Premium Term Plans’

Life Insurance

In this ‘No Pension’ era, Do Not underestimate Retirement Planning

by Dev AshishDecember 5, 2020November 21, 2020Leave a comment

Most of you will not get any pension when you retire. The age of getting a safe, solid and a reasonable pension got over several years ago. So unlike our earlier generations who were lucky enough to get a pension,…

Read More In this ‘No Pension’ era, Do Not underestimate Retirement Planning

Retirement Planning

Laddering Life Insurance Policies – Is it Useful? (in India 2020-21)

by Dev AshishDecember 2, 2020November 16, 2020Leave a comment

Have you heard of life insurance ladders? Or laddering of life insurance in India? If yes, then great. If not, then this would be interesting for you. You will agree that life insurance requirements are fairly dynamic and different for…

Read More Laddering Life Insurance Policies – Is it Useful? (in India 2020-21)

Life Insurance

How to get Higher Returns than Fixed Deposit? Alternatives to FD in India (2021)

by Dev AshishNovember 30, 2020November 28, 20201 Comment

Are you looking for alternatives to fixed deposits in India? I don’t blame you. The current fixed deposits FD rates in India are not great - even for the banks best for fixed deposits earlier. And as these banks continue…

Read More How to get Higher Returns than Fixed Deposit? Alternatives to FD in India (2021)

Personal Finance

What is the best time to Prepay your Home loan?

by Dev AshishNovember 26, 2020November 25, 20201 Comment

As soon as they take a home loan, most people start thinking about how to prepay home loan quickly and close it as soon as possible. For home loan borrowers, doing home loan prepayment can be financially beneficial as it…

Read More What is the best time to Prepay your Home loan?

Home Loan

(Quoted: Economic Times) Ask The Experts Section

by Dev AshishNovember 25, 2020Leave a comment

I recently got quoted in the national business daily Economic Times Wealth Magazine section.  You can download the full 'Q&A Ask The Expert' section here. Or just check the image below for my quote:  

General, Interviews, Investing

Increasing Gap between Retirement Age & Life Expectancy

by Dev AshishNovember 24, 2020November 19, 2020Leave a comment

We are living longer than our previous generations. The average life expectancy of us Indians is around 69. (You can check it here yourself) But that’s the average. My guess is that life expectancy generally increases with income. At least…

Read More Increasing Gap between Retirement Age & Life Expectancy

Financial Planning, Retirement Planning

Pleasure of Walking Tall (Must-Read)

by Dev AshishNovember 23, 2020November 15, 2020Leave a comment

The following is a beautiful text from an advertisement in the 1960s (to be specific, from First Federal Savings advertisement). It talks about why you need to save. No don't let your preconcieved notions about such text stop you from…

Read More Pleasure of Walking Tall (Must-Read)

General

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Recent Posts

  • Gold FAQs: Gold Bonds and Gold ETFs
  • (Quoted: Hindustan Times) Why MF should be a household product in India?
  • You did what you could till now. But…
  • Liquid Funds annual returnsHow to pick Liquid Funds (2021)?
  • Stories We Tell Ourselves & Want to Believe In

Disclosure: As on December 31, 2020

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Recent Articles

  • Gold FAQs: Gold Bonds and Gold ETFs January 12, 2021
  • (Quoted: Hindustan Times) Why MF should be a household product in India? December 22, 2020
  • You did what you could till now. But… December 21, 2020
  • How to pick Liquid Funds (2021)? December 14, 2020
  • Stories We Tell Ourselves & Want to Believe In December 13, 2020
  • Liquid Funds Vs. Overnight Funds: Which is Better? December 11, 2020

About Dev

I help people align their investments with their real financial goals. This website is about investing, personal finance & financial planning.

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Dev Ashish is a SEBI-registered Investment Advisor (RIA Reg. No. INA100005241)

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