VPF Vs PPF: Which is better (2019 2020)?

Voluntary Provident Fund or Public Provident Fund in 2020.  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…

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…

Difference between NPS Active & Auto Choice (Updated 2019-20)

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…

NPS Exit & Withdrawal Rules & Taxation (Latest 2019 2020 – Updated)

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…

Don’t Invest in PMS just because You have Rs 25 lakh (or 50 lakh)

(Update - November 2019: PMS minimum investment size has been increased to Rs 50 lac by SEBI. Please read the following article in that light.) The minimum ticket size for PMS investments is Rs 25 lakhs. But that doesn’t mean…

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 2019-20) – All you need to Know

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…