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…
Life vs Health insurance. Both are important for most people. So its actually not about health insurance vs life insurance. Rather it's about life insurance AND health insurance. And sooner or later, one should have both these insurances in one’s…
Read More Health Insurance or Life Insurance – Which to buy first?
Given the high number of mutual fund schemes in India, it is natural for investors to try and find out which are the top & best mutual funds to invest for 2021? Since I am a professional investment advisor, I…
Read More Top Best SIP Mutual Funds to invest in 2021 in India
So you are looking for which Multicap funds have become Flexicap Funds? SEBI had recently introduced a new mutual fund category - Flexi cap Funds. This had come as a major relief to investors and fund managers, who were planning…
Read More Which Multicap funds have become Flexicap Funds (2020-21)?
It has been 9 years. And it has been one hell of a journey. To be honest, when I published my first post here in 2011, I never imagined things would pan out like this. But one thing led to…
Which Banks are Safe in India? In less than 2 years, this is the 3rd collapse of a bank in India (after PMC Bank and Yes Bank). The RBI has forced Lakshmi Vilas Bank (LVB) to merge with DBS Bank…
Read More Which Banks are Safe in India to put your hard-earned money?
If you have taken a home loan and have seen how home loan EMI works, you would have realized that the home loan principal gets paid off very slowly during the initial years. But why is it so? We discuss…
Read More Why Home Loan Principal gets paid off slowly in the initial years?
A new income tax relief has been announced for homebuyers by the government in 2020-21. The benefit is available to buyers if they purchase a residential real estate of value of up to Rs 2 crore (i.e. below Rs 2…
Read More Buying residential house up to Rs 2 crore? A new Income Tax Relief for you
We Indians and gold are inseparable. We Indians just love to buy gold. And these days, gold can be bought in non-physical modes as well. So people are asking questions like: Should I invest in Gold ETF vs Gold bonds…
Read More Gold ETF Vs. Sovereign Gold Bonds: Which is better investment to Buy this Diwali?
