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…
Category: Investment Advisory
Don’t Invest in PMS just because You have Rs 25 lakh (or 50 lakh)
(Update - November 2019: PMS minimum investment size has been increased to Rs 50 lac by SEBI. Please read the following article in that light.) The minimum ticket size for PMS investments is Rs 25 lakhs. But that doesn’t mean…
Why Fee Only Financial Planner is Best For You?
Till now, you have been getting the so-called free advice from your investment agents (more specifically MF distributors, insurance agents and IFAs). So why am I telling you that ‘Fee-Only Investment Advisor’ or ‘Fee-Only Financial Planner’ better for you? Because,…
Benefits of Fee-Only Advice
When financial advice is easily available free (as many believe it) from family, friends, colleagues and online, then what can be the reason for paying a fee for getting it? Many in India think like this. There is a general…
Fee Only Financial Planner in India (Updated 2020)
Did you land on this page searching for Fee Only Financial Planners in India? Then one thing is very clear - you already know Fee Only Financial Planner or Fee Only SEBI-registered Investment Advisor is the best option when it…
Do you want a Free Financial Plan?
Free - a word that attracts everyone. And when it comes to financial advice, the word ‘FREE’ has done more damage than even big stock market crashes. I know this sounds odd but I am not lying. The free financial…
Real Cost of Free Financial Advice
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…
Real Financial Advisors
Think about it. If we are talking here about Real Financial Advisors, does it also mean that someone else might be a Fake Financial Advisor? The answer is sadly, Yes. Indian investment advisory and financial planning space is filled with…
Why shouldn’t You ask Banks for Investment Advice?
The banks in India mis-sell financial products. Intentionally or unintentionally, they do it. And there is no other (softer) way to say it. Even the regulator RBI now accepts it. And if you want to experience mis selling by Indian…
Should you use ‘100 minus age’ rule to decide Portfolio Asset Allocation?
The rule of ‘100 minus age’ to decide investment portfolio asset allocation is a popular and one of the oldest rules for retirement planning. But unfortunately, it’s a highly misused one too. And the reason is simple. The investment world…
Can a Financial Plan really sort out Your Life?
Recently, a client of mine completed a year with me. Since I clearly remembered his first interaction with me (will share details later), I thought it would be useful for me to understand his view about financial planning and its…
Don’t Delay. Decide. Take Action.
They say: If you figure out money, life is incredibly easy. But unfortunately, if you don’t, it is incredibly hard. And that is so true! You must have met people who have really ‘sorted’ their financial lives and it shows…
Personal Finance Plan
If you are looking to get yourself a Personal Finance Plan or Personal Financial Plan, then you should find either of these two people: A good Fee-Only Financial Planner A trustworthy, competent Fee-Only SEBI Registered Investment Advisor And before you…
Commissions & Why Mutual Fund Distributors (Agents) Give Wrong Financial Advice?
That’s a strong statement to make. Right? But this is a fact. Let me try to explain why I am saying this. But first, I hope you know the difference between Regular Plans and Direct Plans of Mutual Funds. If…
9-Point Investment Plan + 209 words Financial Plan
Do you want a simple investment plan? Here is a rock solid 9-point plan suggested by Scott Adams, the creator of Dilbert comic series (source). It’s written for US investors. But it’s still good to read. Inspired by this, I…