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
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…
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.
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.…
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…
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…
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?
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…
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…
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
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)
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)
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…
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:
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
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…
