I was recently quoted in the Economic Times in an article titled "Has the government reduced SGB issuance this year?" "While many investors might be waiting for the new SGB issues, we have yet to see any announcement of new…
Read More Quoted (Economic Times) – Has Government reduced SGB issuance this year?
Many people are not comfortable investing 100% in equities for certain goals (and rightly so). All they want is to just have 60-70% in Equity and the rest 30-40% in Debt. There are many ways to do this - One…
In a surprising move (claimed to be towards simplification of taxation structure), the Budget 2024 has dramatically changed the Real Estate Taxation Rules in India (2024). And what is this change? The Long-term capital gains (LTCG) tax has been changed…
Read More New 12.5% Tax (with No Indexation) On Real Estate – Good or Bad for Property Owners?
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?
Till now (and before Budget 2024), the Section 80CCD(2) allowed deduction in the taxable income from NPS ‘Employer’ contributions of up to 14% of salary (Basic + DA) from government subscribers and 10% of salary (Basic + DA) from non-government…
The income tax slabs in the new tax regime have been changed slightly. As per the announcement, instead of 6, now there will be 5 income tax slabs. The New Slabs and new Income tax rates under the new income…
Read More New Income Tax Slab & Rates Announced in Budget 2024
The recent Budget has proposed big changes in the Indian Mutual Fund Tax Rules (2024). Based on the type of mutual funds, here are the taxation rules: Let me explain this table in simple words: Equity Funds – The Long…
The government has announced a new scheme - NPS Vatsalya in Budget 2024 (July) This is for investment by parents/guardians for their children (minors). The parents can contribute to the account till the child is a minor. Post that once…
What happens when you invest in Nifty50 and stay invested for 3 years? What happens when you invest in Nifty50 and stay invested for 5 years? What happens when you invest in Nifty50 and stay invested for 7 years? I…
Read More 3, 5 and 7-year Nifty50 Returns (Detailed 25-Year Analysis 1999-2024)
Is Nifty100 made up of all the same stocks that are part of Nifty50 and Nifty Next50? Yes. But does it mean that investing in Nifty100 is exactly the same as investing in Nifty50 + Next50? The answer is -…
SEBI has proposed the introduction of a new product category which is riskier than your traditional MFs - called NAC or the New Asset Class. This differentiated category is aimed to bridge the gap between Mutual Funds and PMS, and…
Comparing Nifty50's Past 3-Year Returns Vs. Future 3-Year Returns. Does it tell us something? What I wanted to see was whether the returns of the past 3 years at any given point, tell us something about what will happen over…
Recently, there was an advertisement on social media that showed a sad-looking person talking to a sportsperson telling him how he took unnecessary risks, gambled into stock tips and lost all the money. This did send a strong message to…
Read More Casinos can be Fun. But Investing Needs to be Boring.
I was recently quoted in Economic Times WEALTH (8-14 July 2024) in the Q&A section where a panel of experts answers readers' questions related to various aspects of their personal finances. The exact question and the answer - Here is…
Read More A 40-Year-Old Planning For Retirement via SIP|| Quoted (Economic Times)
The Securities and Exchange Board of India (SEBI) has launched a free, voluntary online "SEBI -Investor Certification Examination." The announcement was made via this press release (link) Developed in collaboration with the National Institute of Securities Markets (NISM), this voluntary…
Read More SEBI’s New FREE Investor Certification Exam – To Improve Investors’ Market Understanding
