Most Indians believe that financial advice should either be free or in most cases, is not needed at all! In fact, it’s quite common to come across people who will tell you (if asked) that: Why should I take financial…
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.
SIP Vs Lump sum – Which is better in Mutual Funds Investing?
I don’t like such questions. Is it better to invest lump sum or monthly SIP in mutual funds? A lot of people ask me such questions - whether SIP (Systematic Investment Plan) is better than lump sum investing in mutual…
Read More SIP Vs Lump sum – Which is better in Mutual Funds Investing?
Insurance requirements change with Age & Tax Benefits on Life Insurance
You already know why life insurance is important. Atleast for common people like us who still aren’t rich enough to ignore it. After all, being underinsured and dying can be tragic for the dependents. But one of the major problems…
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State of Indian Stock Markets – January 2019
This is the January 2018 update for the State of Indian Stock Markets and includes historical analysis and Heat Maps of Nifty50 as well as Nifty500‘s key ratios, namely P/E, P/BV ratios and Dividend Yield. Please remember that these numbers are averages of P/E, P/BV and Dividend Yield in each month. Neither Nifty50 heat maps nor Nifty500 heat maps show…
PPF vs ELSS (2023) – Which is better for Tax Saving investments?
Should I invest in PPF or ELSS to save taxes? This is a common question that I am asked quite often, more so during the tax saving season. Choosing between the ever so popular Public Provident Fund (PPF) and Equity-linked…
Read More PPF vs ELSS (2023) – Which is better for Tax Saving investments?
Is your Income Tax really Zero (Nil) for Rs 5 lakh income?
Update - The Budhet 2023 further revised the new income tax regime and increased the tax-free income limit after Section 87A rebate to Rs 7 lakh. You can read more about the difference in new vs old income tax systems…
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SIP may not be perfect; but it’s Small Investor’s Best Bet
If you are a mutual fund SIP investor, you would already have been bombarded with thousands of articles about why mutual funds and more particularly mutual fund SIPs are great. And that is true. But I wanted to re-highlight this…
Read More SIP may not be perfect; but it’s Small Investor’s Best Bet
How to use PPF to save Rs 1 Crore: Be PPF Crorepati
Rs 1 crore is still not a small amount. But whether it is sufficient or not depends on why you actually need it. So for example, if you were to ask me whether Rs 1 crore is enough for retirement?…
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Confused with Different Types of Term Plans? Here is How to choose the Right Term Plan
When it comes to buying life insurance for yourself, the best option is to go for a simple term insurance policy. Period. With that aside, your next question would be - which is the best term insurance plan to buy?…
Read More Confused with Different Types of Term Plans? Here is How to choose the Right Term Plan
Nifty P/E Ratio & Returns: Detailed Analysis of 20-years (1999-2019) Updated
Like previous years, I have once again revised the Nifty PE-Ratio & Return analysis to include fresh data (up to December 2018). Now, this analysis has data spanning from early-1999 to late-2018, i.e. full 20 years. This analysis uses one…
Read More Nifty P/E Ratio & Returns: Detailed Analysis of 20-years (1999-2019) Updated
Answers to 20 Important Questions about Term Life Insurance
Term life insurance is the most basic form of life insurance. And I can safely say that it’s the most effective and the best form of insurance. Why? Because it gives you a very high insurance coverage (sum assured)…
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My Interview with Stock & Ladder
Recently, I got interviewed by Ravichand of Stock & Ladder. The interview was originally published here (at Investing Chat with Dev Ashish). It covers my background, investment philosophy (and how it has evolved over the years), how I invest and other…
Picking a Fund with 15% p.a. in 10 years Or a fund with 25% p.a. in 3 years?
That's an interesting problem. Neither 15% nor 25% can be called as bad returns. After all, risk free rates are at 8% or even less. But ofcourse, we are greedy and we prefer higher returns. Isn't it? I recently wrote…
Read More Picking a Fund with 15% p.a. in 10 years Or a fund with 25% p.a. in 3 years?
Home Loan Tax Benefits – How much do You Really get?
In India, home loans come with tax benefits. You already know that. And there is no denying that these tax benefits make it all the more attractive to buy property using home loans. But time and again I have seen…
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State of Indian Stock Markets – November 2018
This is the November 2018 update for the State of Indian Stock Markets and includes historical analysis and Heat Maps of Nifty50 as well as Nifty500‘s key ratios, namely P/E, P/BV ratios and Dividend Yield. Please remember that these numbers are averages of P/E, P/BV and Dividend Yield in each month. Neither Nifty50 heat maps nor Nifty500 heat maps show…