Sounds familiar? You are not alone. Like you, even I and millions of others are bombarded with unsolicited SMSs, emails and flashy pictures on net banking websites congratulating you on being among the chosen few who are just one step…
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.
My Interview with Morningstar
I recently got interviewed by Morningstar. If you invest in Mutual Funds, you would already know about Morningstar. It's a globally respected, independent research organization that focuses on providing ratings for mutual funds and other financial products. The interview had…
Why do you need to Improve your CIBIL Score?
Two colleagues - Chandan and Nitesh work for the same MNC Company in Bengaluru. Both of them had been house hunting for some time and eventually zeroed down on similar flats in the same project. Like most, they decided to…
Should SEBI revisit MF Categorization: To widen Large & Mid Cap categories?
Remember SEBI’s Mutual Fund Categorization exercise of 2018? The primary purpose of that monumental exercise was to bring uniformity between schemes offered by different Mutual Fund Houses and to reduce investor’s confusion, thereby helping investors to easily understand schemes and…
How Credit Card Due Interest is Calculated?
If you use credit cards in India in 2020, then let me ask you a few things. Have you ever thought about how is credit card bill calculated? Do you know how interest is calculated on credit card outstanding dues?…
Why paying ‘Minimum Amount Due’ on Credit Card is Wrong?
Do you know What is Minimum Amount Due in Credit Card? If you are a credit card user and you don’t know that, then chances are that you are in trouble. And if you are one of those who just…
Prepayment Strategy if you have Multiple Personal Loans
Do you have multiple personal loans? Hmm…. And do you now feel a little bogged down with all those EMI payments every month? It’s natural to feel that way, even if you had been careful in choosing personal loans when…
First Life Insurance. Then Invest.
Imagine you are the father of a newly born daughter. And since your spouse is a housewife and your parents are retired, you know you are the only one bringing money on the family’s table. Given your responsibilities and understanding…
What is NPS + How NPS Works in India: Detailed Guide (Updated 2020)
Note - This is a super long post. You may want to bookmark it if you want to read it later. When it comes to retirement planning in India, the NPS or National Pension System is slowly getting more and…
VPF Vs PPF: Which is better in 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…
Health Insurance alone Not Sufficient for Old Age
Many people 'hope' that their health insurance plans will be sufficient to take care of post-retirement health and medical expenses. But this 'hope' may not last for long. I wrote an article on this topic sometime back. Why Having only…
Latest Mutual Fund Taxation Rules (2019-2020): How Mutual Funds are taxed in India?
Mutual funds in India are ideal investment options for wealth creation as well as saving for all your financial goals. But if you are an investor in these, you should be very clear about how these mutual funds are taxed…
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…