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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.

Health Insurance or Life Insurance – Which to buy first?

by Dev AshishNovember 20, 2020November 19, 2020Leave a comment

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?

Health Insurance, Life Insurance, Personal Finance

Top Best SIP Mutual Funds to invest in 2021 in India

by Dev AshishNovember 19, 2020November 19, 2020Leave a comment

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

Mutual Funds, Stable Model Mutual Funds

Which Multicap funds have become Flexicap Funds (2020-21)?

by Dev AshishNovember 19, 2020Leave a comment

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)?

Mutual Funds

Stable Investor is 9 Years Old (+ Special Offer!)

by Dev AshishNovember 17, 2020November 18, 20201 Comment

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…

Read More Stable Investor is 9 Years Old (+ Special Offer!)

General, Stable Asset Allocator, Stable Model Mutual Funds

Which Banks are Safe in India to put your hard-earned money?

by Dev AshishNovember 17, 2020November 18, 20201 Comment

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?

Personal Finance

Why Home Loan Principal gets paid off slowly in the initial years?

by Dev AshishNovember 15, 2020November 11, 2020Leave a comment

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?

Home Loan

Buying residential house up to Rs 2 crore? A new Income Tax Relief for you

by Dev AshishNovember 14, 2020Leave a comment

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

Home Loan

Gold ETF Vs. Sovereign Gold Bonds: Which is better investment to Buy this Diwali?

by Dev AshishNovember 13, 20203 Comments

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?

Personal Finance

How to quickly Prepay Rs 50 lakh home loan in just a few years?

by Dev AshishNovember 12, 2020November 11, 20205 Comments

How to quickly Prepay 25-year Rs 50 lakh home loan in just a few years. House purchase in India (2021) is one of the biggest decisions for most people, both financially and emotionally. So if you have purchased a house…

Read More How to quickly Prepay Rs 50 lakh home loan in just a few years?

Home Loan, Loans

Are Debt Funds SAFER with new “10% in Liquid Assets” rule?

by Dev AshishNovember 10, 2020November 8, 2020Leave a comment

In a recent circular (link or download here), SEBI has asked debt funds to invest at least 10% in liquid assets like cash & cash equivalent, government securities, repo on government securities and T-bills. The rule is applicable to all…

Read More Are Debt Funds SAFER with new “10% in Liquid Assets” rule?

Mutual Funds

Get Indexation benefit of 4 years in just 3 years!

by Dev AshishNovember 9, 2020November 7, 2020Leave a comment

How to get Indexation benefit of 4 years in 3 years in Debt Funds? It is true that you can get indexation benefits of 4 years in 3 years if you time your debt fund entry and exit smartly. Sounds…

Read More Get Indexation benefit of 4 years in just 3 years!

Mutual Funds

Cut-Off Timing for Mutual Funds in India (2020-21)

by Dev AshishNovember 9, 2020November 8, 20201 Comment

Do you know what is the Cut off time of Mutual Funds in India (2020-21)? And do you know that cut off timing for debt funds are different from cut off timing for equity funds? Generally speaking, cut off time…

Read More Cut-Off Timing for Mutual Funds in India (2020-21)

Mutual Funds 2021

Flexicap funds Vs Multicap funds

by Dev AshishNovember 6, 2020November 6, 20201 Comment

How are Flexicap funds different from Multicap funds? We answer this question in this post. SEBI has made 2 major announcements in the last couple of months with regards to equity fund categories. First, in September 2020, it changed allocation…

Read More Flexicap funds Vs Multicap funds

Mutual Funds

SEBI introduces New Category: Flexicap Funds (2020-21)

by Dev AshishNovember 6, 2020November 6, 20202 Comments

A new category of mutual funds namely, Flexicap Funds has been introduced by SEBI today vide its circular (link or download here). As per the new definition, the funds in Flexicap category need to invest a minimum of 65% of…

Read More SEBI introduces New Category: Flexicap Funds (2020-21)

Mutual Funds

Don’t use all your Savings for Downpayment & to reduce Home Loan!

by Dev AshishNovember 6, 20206 Comments

This might seem like a no brainer. But I have seen many people cleaning up all their savings to reduce the home loan they are taking. And that is not right from a risk perspective. It means that (for a…

Read More Don’t use all your Savings for Downpayment & to reduce Home Loan!

Home Loan

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Recent Articles

  • Gold FAQs: Gold Bonds and Gold ETFs January 12, 2021
  • (Quoted: Hindustan Times) Why MF should be a household product in India? December 22, 2020
  • You did what you could till now. But… December 21, 2020
  • How to pick Liquid Funds (2021)? December 14, 2020
  • Stories We Tell Ourselves & Want to Believe In December 13, 2020
  • Liquid Funds Vs. Overnight Funds: Which is Better? December 11, 2020

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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