We all know Nifty 50 index constituents are regularly updated (once every 6 months, see details here). Over a period of time, these small occasional changes have led to a big change in Nifty. So the Nifty50 of the year…
Read More Nifty 50 Sector Weight Changes Over the Years (2000-2021)
I was recently quoted in Economic Times WEALTH (14-20 June 2021) in the Q&A section where a panel of experts answer reader's questions related to any aspect of their personal finance. Here is the 32-year old reader's query about accumulating…
Read More Quoted in Economic Times: Ask The Experts (June 2021)
The Cost Inflation Index (CII) for the Financial Year (FY 2021-22) and AY 2022-23 is 317. For the previous FY 2020-21, the CII Number was 301. The CII Number for the last 5 financial years is FY2021-22 (CII is 317),…
For many, travelling is an important goal. I am one of them. I like to travel (read this). If time and schedule permit. But in general, I aim to travel to a new location once every 6 months. So if…
How large should your Emergency Fund be? And where to put your emergency fund money? These are 2 main questions that you should answer with respect to your emergency fund. Now I am sure that you know what an emergency…
Do health insurance premiums increase with age in India? Yes, that’s right. The health insurance premiums increase with the age of the policyholder in India. And this is true even for the existing policyholders. Their premiums can increase at the…
A close friend (outside India) recently forwarded me a mail that I had sent to him in 2014 about Bitcoin (BTC). Have a look at the mail that I sent him (in January 2014): Please ignore the typos in the…
Read More My Advice to a Bitcoin Crorepati in 2014 (Hint: Didn’t Work. He is Richer now!)
Should I Invest in Bitcoin or other Altcoins? Or Bitcoin Vs Altcoin? As of now, there are more than 10,300 cryptocurrencies (source: Coinmarketcap.com) as shown below: So even though we can say that Bitcoin is the king of cryptocurrencies and…
Read More Which crypto ALTCOIN to invest other than Bitcoin?
If you look at Bitcoin price history, you will find that it is peppered with small corrections to huge crashes. Up to 80% price correction in a matter of a month! So if you want to know about the historical…
If you are a Bitcoin enthusiast, you might like this post. We will talk about allocation to Bitcoins and other coins/tokens in a portfolio. This will lead us to answer questions like - How much percentage of the portfolio to…
Read More What percentage % of portfolio to invest in Bitcoins (2021)?
If you are into passive investing (via index funds and ETFs) in India, then you would know about the Nifty Next 50 index. But how does Nifty Next 50 differ from Nifty 50, how should you choose between Nifty 50…
Read More Nifty vs Nifty Next 50 Index Funds: Which to choose?
There is a growing interest in Bitcoin in particular and cryptocurrencies in general in India in 2021. But many have questions about the legality of cryptocurrencies in India like below: Is Bitcoin legal in India in 2021? Can I invest…
You can quit smoking and save money. But you already know that. Right? And to be honest, I think trying to influence someone to kick the smoky habit by trying to show them the financial angle may not be the…
Read More How much can you save if you quit smoking? (Real Numbers)
I got queries from clients and a few other mails recently about credit risk funds. I am not much in favor of taking credit risk. But given the recent outperformance of the credit funds compared to other debt fund categories…
Read More Credit Risk Funds’ 1-year Returns are Good. But still Avoid them.
The debt funds have seen their returns moderate for some time now. The extent of this fall in returns differs based on the debt fund categories one is invested in. Some categories have been giving negative returns too in some…
Read More My Debt Funds are giving Poor Returns. What to do?
