Life is too short to save everything - I came across these words in the title of an interesting article (link). Immediately I knew I wanted to write on this topic. More so after my experience with Covid-19. Due to…
Should you invest in Bitcoin & other Cryptocurrencies (2021)?
The first-ever Bitcoin rate (in the year 2009) was $1 = 1309 Bitcoins or BTC (source). That is, 1 Bitcoin was worth just $0.00076, or a mere Rs 0.05 or 5 paise in India. So Bitcoin price in 2009 in…
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New Mutual Fund AMCs coming. Should you rush to invest in their Schemes?
Recently, the mutual fund space saw two new entrants. One was Groww that acquired Indiabulls AMC’s portfolio while the other was NJ India, a pan-India distributor that is now entering into AMC space itself after selling MFs for years. And…
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Your Credit Card is Not Your Emergency Fund!
Having a credit card to use in case of emergencies sounds like a good idea. But many people make the mistake of relying only on the undrawn limit of their credit cards for emergencies. They choose to believe that credit…
Sovereign Gold Bond FY 2021-22: Series Calendar + Schedule (All Tranches)
When is the next Sovereign Gold Bond scheme? Or you may ask: Sovereign Gold Bond scheme 2021-22 Sovereign Gold Bond Dates 2021-22 Sovereign Gold Bond scheme 2021-22 dates The Sovereign Gold Bond Scheme FY 2021-22 calendar or, also called as…
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Covid-19 & Me: Update
For the last few weeks, I have been down with Covid19 and its after-effects. Different people have different experiences. Some sail through easily. Others don’t. I don’t know how to put a scale to my experience, but it wasn’t easy.…
What will be the Next Bitcoin?
We all want to find and invest early in the Next Bitcoin. Or, which is the next cryptocurrency to explode in 2021? Right? It's true the Bitcoin (BTC) and few other Altcoins have given spectacular returns over the last few…
Index Funds raising Expense Ratio. What should index fund investors do?
Some popular index funds in India, namely HDFC Index Fund-NIFTY 50, HDFC Index Fund-Sensex Plan and UTI Nifty Index Fund have decided to raise the expense ratios Increasing or decreasing of expense ratio is a common event in the mutual…
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Rs 1.5 lakh (+ Rs 500 more) required to get full Rs 1.5 lakh ELSS tax benefit
If you invest Rs 1.5 lakh in tax-saver ELSS funds in a financial year, chances are that you will not get the full tax benefit on the invested amount of Rs 1.5 lakh. Why so? It is because from July…
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Should small retail investors invest in Startups in India?
Recently, there was a lot of noise on social channels about the rise in the number of unicorns from India ("Unicorn" is a term used to describe a startup company with a value of more than $1 billion). Here is…
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TDS on PPF Withdrawal: Pay 2-5% if not filed ITR in last 3 years
There is a change in the TDS rules for PPF withdrawals. Going forward, if you haven’t filed your income tax returns (ITR) during the last 3 financial years, then your PPF withdrawals will witness TDS (or tax deduction at source).…
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Should I invest more than Rs 1.5 lakh in ELSS funds?
There is a small difference in the following 2 questions: SHOULD I invest more than Rs 1.5 lakh in ELSS funds? And next one is CAN I invest more than Rs 1.5 lakh in ELSS funds? As you would have…
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Model Mutual Funds Update: Quarterly (Apr-Jun 2021)
Stable Model Mutual Funds quarterly update (for the period Apr-Jun 2021) has been sent to the premium subscribers. If you are a subscriber, you would have already received the email update. If not, please check your spam folders. If you…
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Asset Allocator Update: Quarterly (Apr-Jun 2021)
Stable Asset Allocator's quarterly update (for the period Apr-Jun 2021) has been sent to the premium subscribers. If you are a subscriber, you would have already received the email update. If not, please check your spam folders. If you haven't…
How to calculate EPF interest on your EPF account balance?
If you are a salaried employee, then chances are that you have an Employee’s Provident Fund (EPF) account that you regularly make contributions from your salary deductions. You might know what the latest EPF interest rates are, but do you…
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