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Dev Ashish

Dev is a SEBI-Registered Investment Advisor (Fee Only SEBI RIA). He works with small investors as well as HNI clients across India. If you want to get unbiased, proper and tailor-made financial advice, you can get in touch with him for Goal-based Financial Planning, Retirement Planning, Mutual Fund Portfolio Review and HNI (Affluent) Portfolio Advisory.

Petrol at Rs 100/litre and You!

by Dev AshishFebruary 25, 2021Leave a comment

For a country like ours, the prices of petrol and diesel can be a touchy subject. I am no economist but nevertheless, I just felt like addressing this burning topic about rising petrol-diesel prices and how it matters (or doesn’t)…

Read More Petrol at Rs 100/litre and You!

Investing, Personal Finance

1000 point Sensex Fall. It’s not a Big Deal any more!

by Dev AshishFebruary 22, 2021February 22, 2021Leave a comment

Today Sensex fell by over 1000 points. To be precise, it fell by -1145 points. I am sure if you follow business new, you will see headlines like ‘Sensex falls over 1000 points!’ OR ‘Sell-Off in Sensex as it falls…

Read More 1000 point Sensex Fall. It’s not a Big Deal any more!

Investing

You may not get MF units at your investment day’s NAV

by Dev AshishFebruary 19, 2021February 18, 2021Leave a comment

Yes you read it right. And this has been happening since start of February 2021 and has led to dissatisfaction among MF investors for not knowing exactly which day's NAV they would be getting. For investments in mutual fund scheme’s…

Read More You may not get MF units at your investment day’s NAV

Mutual Funds

Applying for a Credit Card? How to choose Best Credit Card in India (2021)?

by Dev AshishFebruary 18, 2021Leave a comment

When it comes to choosing the right credit card in India, it’s a really tough job. There are hundreds of choices. And as banks see increasing demand for the same, the choices will only increase going forward. The enormousness of…

Read More Applying for a Credit Card? How to choose Best Credit Card in India (2021)?

Personal Finance

(Quoted: Hindustan Times) Maximize your Retirement Corpus

by Dev AshishFebruary 18, 2021Leave a comment

I recently got quoted in the national daily paper Hindustan Times. It was for their coverage on how can Indian investors use equity to maximize the size of their retirement corpus. You can check the quote and the full article…

Read More (Quoted: Hindustan Times) Maximize your Retirement Corpus

Mutual Funds, Retirement Planning

Is just EPF good enough for Retirement?

by Dev AshishFebruary 13, 2021February 11, 2021Leave a comment

Is just EPF good enough for Retirement? That is an important question. And unless you contribute a lot of money every month to Employee Provident Fund (like these HNIs investing in EPF), chances are that your EPF corpus may not…

Read More Is just EPF good enough for Retirement?

Mutual Funds, Retirement Planning, SEBI RIA

Markets Up 100% from March 2020 Lows! (Money doubled!)

by Dev AshishFebruary 9, 2021February 9, 20211 Comment

Remember the crazy month of March 2020? When at one point the index was down almost 40% in a month? And markets made a multi-year low during the month. Things have changed a lot since then. And how so! Here…

Read More Markets Up 100% from March 2020 Lows! (Money doubled!)

Investing

Why ULIPs are not a great investment? (My column in Morningstar)

by Dev AshishFebruary 9, 2021February 6, 2021Leave a comment

Recently, my thoughts on ULIPs and why they should be avoided (even by HNIs) were published on Morningstar (India). In this one, I try to clear the air about the recent change in taxation of maturity amount of ULIPs and why…

Read More Why ULIPs are not a great investment? (My column in Morningstar)

Life Insurance ULIPs

Sensex Vs. Nifty: Difference & which to choose for passive Index Funds?

by Dev AshishFebruary 8, 2021February 8, 2021Leave a comment

For Index funds, is Sensex better than Nifty? Or Nifty is better than Sensex for index funds in India? Lets discuss this in a bit more detail here. Nifty and Sensex represent the most popular and widely tracked Indian stock…

Read More Sensex Vs. Nifty: Difference & which to choose for passive Index Funds?

Mutual Funds

Is taxable PF interest (Rs 2.5 lakh) rule applicable to PPF?

by Dev AshishFebruary 6, 2021February 6, 2021Leave a comment

The Budget 2021 has proposed that from April 2021, interest on any contribution above Rs 2.5 lakh per year in PF will be taxed. There is some confusion among a few people that will this rule also apply to the…

Read More Is taxable PF interest (Rs 2.5 lakh) rule applicable to PPF?

Personal Finance, PPF EPF, PPF

Dynamic Asset Allocation Vs. Multi-Asset Vs. Multi-Cap Funds: Differences

by Dev AshishFebruary 6, 2021February 6, 2021Leave a comment

There are tons of mutual fund categories in India now. Due to the recently announced changes in the new Multi-Cap fund allocation rules, there has been some confusion among investors with reference to the differences between Dynamic Asset Allocation funds…

Read More Dynamic Asset Allocation Vs. Multi-Asset Vs. Multi-Cap Funds: Differences

Mutual Funds

Top 20 HNIs have Rs 825 crore in EPF!

by Dev AshishFebruary 5, 2021February 5, 20211 Comment

Did you know that the Top 20 HNI account holders have about Rs 825 crore in their EPF accounts. And that one of the highest contributors has more than Rs 103 crore in his EPF account followed by two HNIs…

Read More Top 20 HNIs have Rs 825 crore in EPF!

PPF EPF

Which date NAV is applicable for purchase of mutual funds?

by Dev AshishFebruary 5, 2021February 18, 20211 Comment

To answer the question very simply, from 1st February 2021, whenever you invest in any mutual fund scheme, then you will get the NAV of the day when the invested amount actually reaches AMC’s bank account, and not the day you invest…

Read More Which date NAV is applicable for purchase of mutual funds?

Mutual Funds

Should you still invest more than Rs 2.5 lakh in EPF?

by Dev AshishFebruary 3, 2021February 4, 20212 Comments

The Budget 2021 changed the EPF interest taxation rule (details here). Now if the employee contribution to PF (via EPF and/or VPF) exceeds Rs 2.5 lakh in a year, then the interest on the additional amount (above Rs 2.5 lakh)…

Read More Should you still invest more than Rs 2.5 lakh in EPF?

PPF, Retirement Planning, Tax Saving EPF

ULIP vs Mutual Funds: ULIPs lose tax arbitrage (Budget 2021)

by Dev AshishFebruary 3, 2021February 3, 20211 Comment

So after the new announcement in Budget 2021, that ULIPs will be taxed liked MFs if annual premium exceeds Rs 2.50 lakh and hence, ULIPs no longer offer the tax arbitrage that was pushed by ULIP sellers till now. Just…

Read More ULIP vs Mutual Funds: ULIPs lose tax arbitrage (Budget 2021)

Life Insurance, Mutual Funds, Personal Finance ULIPs

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Recent Posts

  • Monthly petrol diesel consumption IndiaPetrol at Rs 100/litre and You!
  • 1000 point Sensex Fall. It’s not a Big Deal any more!
  • You may not get MF units at your investment day’s NAV
  • Applying for a Credit Card? How to choose Best Credit Card in India (2021)?
  • (Quoted: Hindustan Times) Maximize your Retirement Corpus

Disclosure: As on January 31, 2021

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Recent Articles

  • Petrol at Rs 100/litre and You! February 25, 2021
  • 1000 point Sensex Fall. It’s not a Big Deal any more! February 22, 2021
  • You may not get MF units at your investment day’s NAV February 19, 2021
  • Applying for a Credit Card? How to choose Best Credit Card in India (2021)? February 18, 2021
  • (Quoted: Hindustan Times) Maximize your Retirement Corpus February 18, 2021
  • Is just EPF good enough for Retirement? February 13, 2021

About Dev

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

To contact me for Investment Advisory, please click here.

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

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