I got a mail from a reader. He wanted to know whether it made sense to take the loan moratorium but continue his SIP. Or should he stop the SIP? No doubt the current situation has reduced many people’s ability…
Category: Personal Finance
Pick a Strategy You Can Stick with + PREMIUM Strategy Tool
Think about it - Ability to stick to a strategy is more important than the potential return of the strategy itself when picking amongst many strategies. Why? Because if you don’t stick around with a strategy for long enough, then…
(PREMIUM): Model Mutual Funds – Details
If you are a mutual fund investor, then do you get confused if I were to ask you: Is your mutual fund portfolio properly structured? Does your mutual fund portfolio have good investment-worthy funds? Is your mutual fund portfolio optimally…
SCSS Vs. PMVVY: Which is Better (2020-21)?
Senior Citizen Savings Scheme (SCSS) Or Pradhan Mantri Vaya Vandana Yojana (PMVVY). These are two popular investment options available for senior citizens of India in 2020. While SCSS has been in existence for several years now, the other one PMVVY…
PMVVY (2020) Pension Scheme extended till March 2023: Changes + Details
The Pradhan Mantri Vaya Vandana Yojana (PMVVY) has been extended by the government till 31st March 2023, but with a reduced interest rate of 7.4%. If you have questions like - What is PMVVY, What is the interest rate on PMVVY,…
Where to invest based on Risk Appetite?
So you think you are an aggressive investor. Right? But will you be an aggressive investor in a rising as well as a falling market? Maybe. Maybe not. I know you are not sure. And don’t worry. This is normal.…
Announcing: Asset Allocator + Model Funds (PREMIUM Subscription)
Hi I am happy to announce the launch of Two (2) Premium Subscription-based Products from Stable Investor, namely: Stable Asset Allocator Stable Model Mutual Funds To know how you can benefit from both, read on. ... And if you are interested in receiving a…
SBI WECARE Deposit for Senior Citizens: Worth Investing?
SBI, the country’s largest bank has come to the rescue of senior citizens. It has launched a special FD scheme for senior citizens called the SBI 'WECARE' Senior Citizens' Term Deposit scheme (2020). And what is interesting about this scheme?…
Compare Your Lockdown Vs Regular Expenses (Free Excel Download)
I am spending less. And I am sure most of you are too. No doubt lockdown is leading to more savings for some of us. Majority of us are sitting at home. And I am sure at least a few…
PPF: Still attractive Investment despite Sharp Rate Cut
This is from my regular column on MoneyControl. Interest rates of PPF and all other Small Savings Scheme were cut sharply sometime back. And many are now questioning the usefulness of PPF as an investment option. I feel that having…
Take 20% Pay Cut
Taking a 20% pay cut. Now, who would want that? No one. And it’s (obviously) not a great scenario to be in. But to be honest, the on-going pandemic and economic lockdown are gradually arm-twisting many companies/sectors to face the…
Tips for Fresh Graduates with Poor Job prospects (Quoted: Mint)
I recently got quoted a few times in the business paper Mint. It was for their coverage of how students graduating this year will have poor job prospects thanks to Coronavirus-troubled world and Indian economy. These are tough times no…
Retiring in Bear Market Vs in Bull Markets
I regularly write columns for MoneyControl. The latest one I wrote was about highlighting the difference between Retiring in Bull Market Vs Retiring in Bear Market. You will be surprised how things can change suddenly for people who retire in…
Normal Living Expenses Are Low: Lockdown Realization (for F.I.R.E. guys!)
We live in unprecedented times. And times like this lead to interesting insights about various aspects of life. I came across a tweet yesterday (link), which said: Realized one thing in this Lockdown. Normal living expenses are very low. It's…
PPF: Before 5th Vs After 5th of Month? Or Before 5th April?
Should you invest before the 5th of every month in PPF account? Should you invest Rs 1.5 lac before 5th April every year for maximum returns from your PPF account balance? The answer to these questions is Yes no doubt.…
