Imagine you are the father of a newly born daughter. And since your spouse is a housewife and your parents are retired, you know you are the only one bringing money on the family’s table. Given your responsibilities and understanding…
Year: 2019
What is NPS + How NPS Works in India: Detailed Guide (Updated 2023)
Note - This is a super long post. You may want to bookmark it if you want to read it later. When it comes to retirement planning in India, the NPS or National Pension System is slowly getting more and…
Read More What is NPS + How NPS Works in India: Detailed Guide (Updated 2023)
VPF Vs PPF: Which is better in 2024?
Voluntary Provident Fund or Public Provident Fund in 2024. Difference between VPF Vs. PPF and how to choose between the two? This was a dilemma when even I joined my salaried job for the first time more than a decade…
Bharat Bond ETF: All You Need To Know. Worth Investing?
The name is Bond... Bharat Bond ETF! Sorry. I couldn’t stop myself from saying that. 😉 But the correct name of India’s first corporate bond exchange-traded fund (ETF) is Bharat Bond ETF and was launched in December 2019. This is…
Read More Bharat Bond ETF: All You Need To Know. Worth Investing?
Health Insurance alone Not Sufficient for Old Age
Many people 'hope' that their health insurance plans will be sufficient to take care of post-retirement health and medical expenses. But this 'hope' may not last for long. I wrote an article on this topic sometime back. Why Having only…
Latest Mutual Fund Taxation Rules (2021 2022): How Mutual Funds are taxed in India?
Mutual funds in India are ideal investment options for wealth creation as well as saving for all your financial goals. But if you are an investor in these, you should be very clear about how these mutual funds are taxed…
Read More Latest Mutual Fund Taxation Rules (2021 2022): How Mutual Funds are taxed in India?
Don’t look at Returns of NPS (Equity Scheme E) in isolation. Here’s Why?
Many NPS subscribers make the mistake of looking at just the Equity Returns of NPS and trying to make an assessment of whether NPS is giving good returns or not. But only considering returns Equity Funds (Scheme E) of NPS…
Read More Don’t look at Returns of NPS (Equity Scheme E) in isolation. Here’s Why?
Difference between NPS Active & Auto Choice (Updated 2024)
As you already know, the National Pension System or NPS is designed to save for retirement by making a contribution during the work life. Though most people still don’t give retirement planning the importance it deserves (read why?), the government…
Read More Difference between NPS Active & Auto Choice (Updated 2024)
Retirement vs Child’s Future
The biggest question of your financial lives. Isn't it? I know that you already have an answer in your mind for this. But is it the right answer? I wrote an article on this topic sometime back. Both retirement and…
NPS Exit & Withdrawal Rules & Taxation (Latest 2024 Update)
The National Pension System (or NPS) is a retirement savings product that allows investors to invest in equity and debt as a means for proper retirement planning. And it is aimed at providing a pension at the time of retirement…
Read More NPS Exit & Withdrawal Rules & Taxation (Latest 2024 Update)
Don’t Invest in PMS just because You have Rs 50 lakh spare
(Update - November 2019: PMS minimum investment size has been increased to Rs 50 lakh by SEBI) The minimum ticket size for PMS investments is Rs 50 lakh. But that doesn’t mean that whosoever has Rs 50 lakh to invest…
Read More Don’t Invest in PMS just because You have Rs 50 lakh spare
Don’t Be Your Adult Child’s Dip-When-They-Want Emergency Fund
Parents can't be paying perennially for their adult children's money mistakes. If they do, how will their children ever grow up financially? Isn't it? And helping your children in times of need is fine. But such occurrences should be rare.…
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Why Fee Only Financial Planner is Best For You?
Till now, you have been getting the so-called free advice from your investment agents (more specifically MF distributors, insurance agents and IFAs). So why am I telling you that ‘Fee-Only Investment Advisor’ or ‘Fee-Only Financial Planner’ better for you? Because,…
Income Tax on Life Insurance Premiums & Maturity in India (Updated 2024)
The real purpose of purchasing life insurance is to avoid tragic stories like this. But many still wrongly feel, that life insurance is a waste of money. But luckily and thanks to our government’s tax-saving policies, they still end up…
Read More Income Tax on Life Insurance Premiums & Maturity in India (Updated 2024)
Investors, Driving at 210+ Kmph can Kill You
I was reading an old article titled False Profits by Jason Zweig here when I felt that it made sense to be shared with the reader here. So allow me to share parts of the article. I am sure you…