FIRE isn’t always about choice. F.I.R.E. can also mean ‘Forced Into Retiring Early’. That’s why professionals need to prioritise retirement over other financial goals. It’s time to accept the reality. Instead of assuming that you will be working till 60,…
Read More FIRE can Also mean ‘Forced Into Retiring Early’ – Economic Times Wealth (23-Jun-2025)
Long-Term Capital Gains (LTCG) Tax in Equity has been increased to 12.5% (from earlier 10%) in the Budget 2024. So, the 10% era existed from 2018 to 2024. The earlier pre-2018 era was about the good old days of 0%…
Read More LTCG Tax Increased to 12.5% – How it Impacts You, a Long-Term Equity Investor?
Is your Investment adviser Registered with SEBI? Many investors who reach out to advisors want to be sure that they are dealing only with SEBI registered Investment Advisor. And the regulator SEBI has also made it abundantly clear that investors…
Read More How to check if Investment Advisor is registered with SEBI (2025)?
Not only did the Budget 2023 offer relief to the common man (by revising the new tax slabs), but also gave something to cheer to high-net-worth individuals (HNIs). The highest surcharge rate has been reduced from 37% to 25% under…
Read More What is impact of Surcharge redution from 37% to 25% for High Income HNIs?
The stock markets have been bleeding. And the fall in stock prices is also reflected in the fall in NAVs of mutual funds and the value of most investors’ mutual fund portfolios. I got a few emails and several messages…
Read More My Mutual funds are Falling. I am Worried. What to Do Now?
In your 20s, life is actually not too burdened with responsibilities and other complexities that come later. You have started earning (well), have very few burdens and responsibilities and are full of energy. It's when you cross from the 20s…
Read More Financial Planning in the 30s sets Strong base for a Solid Financial Life later
When you invest in regular plans of mutual funds, then you pay a commission to your mutual fund agent (or distributor). But do you know how much Mutual Fund Distributors earn in Commissions in India (2025)? That is, what is…
Read More How much is Mutual Fund Distributors Commission Income (2025)?
HNIs or High Networth Individuals are smart people. They have wealth. More importantly, they know how to make more money from their business and other income sources. But that’s not all. They also understand that they need to generate more…
Read More Do HNIs (High Networth Individuals) need Financial Planning?
Is NAV different for Regular and Direct plans of the same mutual fund scheme? The answer is Yes, it is. And the Direct plan NAV will always be higher than Regular plan NAV. It has to be. And the reason…
Asset Allocation Quilt 2021 for Indian markets. I came across this interesting depiction of asset class performance chart in a tweet (link). Have a look at the below quilt and spend some time studying it. The table (or quilt) above…
Read More Asset Allocation Quilt – No Asset Works Well Every Year. But…
I got a mail from a young reader. Here is the summary: “I am 28 years old. Due to a job switch recently, I can now invest close to Rs 50,000 per month. I already have Rs 10,000 monthly EPF…
Read More I can invest Rs 50,000 (50K) per month. How to start (Updated 2025)?
Is Rs 5 crore enough to retire in India? Rs 5 crore is not a small amount. At all. And to be honest with you, if your expenses are reasonable, I think that Rs 5 crore would be sufficient to…
I got a mail from a reader asking how much he needed to invest to retire at the age of 50. He is 30 and said that he had practically no savings at all. So it's like starting your investment…
Read More I am 30. Want to Retire at 50. How much to Invest Monthly?
If you invest in direct stocks or mutual funds, I am sure you would have received tons of unsolicited bulk SMS with texts like hot stock tip, next multibagger stock pick, sure-shot bet, double your money in 15 days, insider…
Read More Stock Tip Fraud: How Penny Stock Rigging happens in India?
Note – This is a guest post by Ajay. He has previously written on this topic (links in later part of the post) and now updates his thoughts on the basis of 2021 data. Ajay has also authored other interesting…
Read More Mutual Funds Vs Real Estate: Which is better for Investing in India? (2021 Update)
