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Best Ways to Save Income Tax for FY 2021-22

I know you don’t want to, but still, as law-abiding citizens of India, we must still pay income tax. That said, and before we discuss best ways for you to save income tax, let me remind you what I have…

Not Working for Money – Is it the Most Important Financial Goal?

I was thinking about financial goals and what is the most important one. I understand that different people will have different definitions of what’s important or not. But if you think about it, isn’t the most important financial goal about…

The Rise of Mutual Funds App in Indian Market

There was a time, in the mid-2000s (when I started investing in MFs) when it was not so simple to begin investing in mutual funds. Lots of paperwork, cheques, and time lags. But times have changed. With the advent of…

I can invest Rs 50,000 (50K) per month. How to start?

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…

Investing isn’t like speculating in Casinos

Many equate equity investing with gambling. And being in equity markets for more than one and a half decades, I don’t like this idea one bit. But due to this wrong comparison, people don’t give equities the importance it deserves.…

Accept Market Falls, If you want to create Wealth

In the last 23+ years (i.e. in 283 months between Jan-1998 and Jul-2021), the Sensex has ended with negative monthly returns on 118 occasions. This means that 118 of the 283 months have seen negative returns. That is 41.7% of…