Life vs Health insurance. Both are important for most people. So its actually not about health insurance vs life insurance. Rather it's about life insurance AND health insurance. And sooner or later, one should have both these insurances in one’s…
Read More Health Insurance or Life Insurance – Which to buy first?
Given the high number of mutual fund schemes in India, it is natural for investors to try and find out which are the top & best mutual funds to invest for 2021? Since I am a professional investment advisor, I…
Read More Top Best SIP Mutual Funds to invest in 2021 in India
So you are looking for which Multicap funds have become Flexicap Funds? SEBI had recently introduced a new mutual fund category - Flexi cap Funds. This had come as a major relief to investors and fund managers, who were planning…
Read More Which Multicap funds have become Flexicap Funds (2020-21)?
It has been 9 years. And it has been one hell of a journey. To be honest, when I published my first post here in 2011, I never imagined things would pan out like this. But one thing led to…
Which Banks are Safe in India? In less than 2 years, this is the 3rd collapse of a bank in India (after PMC Bank and Yes Bank). The RBI has forced Lakshmi Vilas Bank (LVB) to merge with DBS Bank…
Read More Which Banks are Safe in India to put your hard-earned money?
If you have taken a home loan and have seen how home loan EMI works, you would have realized that the home loan principal gets paid off very slowly during the initial years. But why is it so? We discuss…
Read More Why Home Loan Principal gets paid off slowly in the initial years?
A new income tax relief has been announced for homebuyers by the government in 2020-21. The benefit is available to buyers if they purchase a residential real estate of value of up to Rs 2 crore (i.e. below Rs 2…
Read More Buying residential house up to Rs 2 crore? A new Income Tax Relief for you
We Indians and gold are inseparable. We Indians just love to buy gold. And these days, gold can be bought in non-physical modes as well. So people are asking questions like: Should I invest in Gold ETF vs Gold bonds…
Read More Gold ETF Vs. Sovereign Gold Bonds: Which is better investment to Buy this Diwali?
How to quickly Prepay 25-year Rs 50 lakh home loan in just a few years. House purchase in India (2021) is one of the biggest decisions for most people, both financially and emotionally. So if you have purchased a house…
Read More How to quickly Prepay Rs 50 lakh home loan in just a few years?
In a recent circular (link or download here), SEBI has asked debt funds to invest at least 10% in liquid assets like cash & cash equivalent, government securities, repo on government securities and T-bills. The rule is applicable to all…
Read More Are Debt Funds SAFER with new “10% in Liquid Assets” rule?
How to get Indexation benefit of 4 years in 3 years in Debt Funds? It is true that you can get indexation benefits of 4 years in 3 years if you time your debt fund entry and exit smartly. Sounds…
Read More Get Indexation benefit of 4 years in just 3 years!
Do you know what is the Cut off time of Mutual Funds in India (2020-21)? And do you know that cut off timing for debt funds are different from cut off timing for equity funds? Generally speaking, cut off time…
Read More Cut-Off Timing for Mutual Funds in India (2020-21)
How are Flexicap funds different from Multicap funds? We answer this question in this post. SEBI has made 2 major announcements in the last couple of months with regards to equity fund categories. First, in September 2020, it changed allocation…
A new category of mutual funds namely, Flexicap Funds has been introduced by SEBI today vide its circular (link or download here). As per the new definition, the funds in Flexicap category need to invest a minimum of 65% of…
Read More SEBI introduces New Category: Flexicap Funds (2020-21)
This might seem like a no brainer. But I have seen many people cleaning up all their savings to reduce the home loan they are taking. And that is not right from a risk perspective. It means that (for a…
Read More Don’t use all your Savings for Downpayment & to reduce Home Loan!
