Recently, my thoughts on debt funds were published on Morningstar (India) again. In this one, I try to clear the air about debt mutual funds by laying to rest the 4 common misconceptions people have So if you are a…
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.
Taxation on Gold in India (2020-21): Capital Gains on Selling Gold
Do you know what is the tax on gold profits? Or how different forms of gold are taxed? Or more specifically, how capital gains on selling gold are taxed? If you invest in gold or already have it, then it…
Which are safe banks for Fixed Deposits in India (2020-21)?
Bank fixed deposits (or FDs) are considered to be one of the safest savings options because of their guaranteed returns. And this has been the perception since decades. But people have now started asking which bank is safe for fixed…
Sweep In Account facility (2020) FD: Good when Savings Account Rates fall?
As savings account interest rates are falling, many people in India are considering Sweep In Account facility in 2020-21. On a very broad level, the sweep account or auto sweep facility allows you to enjoy the combined benefits of saving…
Pause SIP before Stopping. But pay EMIs first & avoid Moratorium.
I got a mail from a reader. He wanted to know whether it made sense to take the loan moratorium but continue his SIP. Or should he stop the SIP? No doubt the current situation has reduced many people’s ability…
Pick a Strategy You Can Stick with + PREMIUM Strategy Tool
Think about it - Ability to stick to a strategy is more important than the potential return of the strategy itself when picking amongst many strategies. Why? Because if you don’t stick around with a strategy for long enough, then…
(PREMIUM): Model Mutual Funds – Details
If you are a mutual fund investor, then do you get confused if I were to ask you: Is your mutual fund portfolio properly structured? Does your mutual fund portfolio have good investment-worthy funds? Is your mutual fund portfolio optimally…
SCSS Vs. PMVVY: Which is Better (2020-21)?
Senior Citizen Savings Scheme (SCSS) Or Pradhan Mantri Vaya Vandana Yojana (PMVVY). These are two popular investment options available for senior citizens of India in 2020. While SCSS has been in existence for several years now, the other one PMVVY…
PMVVY (2020) Pension Scheme extended till March 2023: Changes + Details
The Pradhan Mantri Vaya Vandana Yojana (PMVVY) has been extended by the government till 31st March 2023, but with a reduced interest rate of 7.4%. If you have questions like - What is PMVVY, What is the interest rate on PMVVY,…
Where to invest based on Risk Appetite?
So you think you are an aggressive investor. Right? But will you be an aggressive investor in a rising as well as a falling market? Maybe. Maybe not. I know you are not sure. And don’t worry. This is normal.…
How EMI Moratorium increases Interest + Tenure? (Simple Examples)
RBI first announced a 3-month moratorium (March-May 2020) for loans. But with the lockdown continuing and people still facing problems with their finances and loan repayments, RBI recently extended loan moratorium by 3 more months (June - August 2020). If…
46 Random Thoughts on F.I.R.E.
I recently wrote a long thread on twitter about Financial Independence, Early Retirement and Financial Freedom. If you are on twitter, you can check it here. Since many readers aren't there so I thought I will publish those tweets as…
3 Month Extension of Loan Moratorium (6 Months: March to August 2020)
RBI has extended the loan EMI moratorium by another 3 months. That is, it is now applicable up to 31st August 2020. So with this extension, the total loan moratorium due to Covid19 in India is now 6 months. And…
Announcing: Asset Allocator + Model Funds (PREMIUM Subscription)
Hi I am happy to announce the launch of Two (2) Premium Subscription-based Products from Stable Investor, namely: Stable Asset Allocator Stable Model Mutual Funds To know how you can benefit from both, read on. ... And if you are interested in receiving a…
Is Categorization 2.0 required for Debt Funds?
About 2+ years back, SEBI did what was long required. It undertook a massive and comprehensive relook at the Indian mutual fund space. And as a result, a big Categorization & Rationalization of Mutual Funds was carried out in 2018,…
