Recently, I happened to meet a distant cousin who is 25 years old. We got talking and as usual, we discussed savings (my bad). And about his savings patterns. He was, like many other young people out there, unable to…
Read More Invest Rs 1.5 lakh in ELSS Fund for 10 years, Then Do Nothing till 60 – Results?
One of the problems of being an Investment Advisor is that even friends bring up money topics while casual discussions. Recently, I was talking to a friend who is planning to buy his first house. Though he can very well…
Read More How Can You Boost Your Chances of Getting Approved for a Home Loan?
When you take a home loan, you may want to prepay it quickly. I have heard this many times that doing a SIP of 1% of Home Loan Amount can be a good idea. Some refer to it as SIP…
Read More Doing SIP of 1% of Home loan – SIP Trick? (Analysis 2021)
Yes, you read that right. You will now have 2 EPF accounts. In a way atleast. It was earlier announced in Budget 2021, that in a given financial year, the government came up with the new EPF 2.5 lakh rule…
Read More How will EPF above Rs 2.5 lakh be taxed? With 2 EPF accounts!
Personal loans can come in real handy if you have a financial emergency and no savings to fall back to. I can go on talking about how wrong it is to not have any savings at all. But, sometimes, emergencies…
Read More How a Good CIBIL Score Helps You Get a Personal Loan Quickly?
Is Rs 5 crore enough to retire in India? Rs 5 crore is not a small amount. At all. And to be honest with you, if your expenses are reasonable, I think that Rs 5 crore would be sufficient to…
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? For most people, the definition of long term is around 5 to 7 years.…
Read More 5 and 7 years Nifty50 Returns (Detailed Analysis 2021 with 8000+ data points)
Home Loan EMI Vs Mutual Fund SIP is one of the many dilemmas that home loan borrowers face. They think where using MF SIP to prepay home loan makes sense or not. There are others dilemmas too. Some questions that…
Are you worried about the rising markets? Are Indian markets overvalued? Are you unable to understand why markets are hitting new all-time highs when the real economy and things around you look fundamentally bad? There is a constant noise about…
Read More Should I Reduce Equity % Allocation in My Portfolio now?
No, not at all. The newly launched e-RUPI is not a cryptocurrency or even a digital form of Indian Rupee. E-RUPI is rather a prepaid, social-service voucher system launched by the Indian government. The confusion that many people have is…
How about Using monthly interest from Rs 1 Crore FD as SIP in Mutual Funds? That is, you use the FD monthly interest as SIP. Can this be one ideal option for new investors who are looking to scale equity…
Read More When Rs 1 Crore FD Monthly Interest is used as SIP in Nifty [Case Study]
I am no economist. Nor do I intend to be one. But I do keep an eye on all things money. And one thing cannot go unnoticed that India’s Forex Reserves have been growing steadily over the years. India’s foreign…
Read More Does India need a proper Sovereign Wealth Fund (SWF) now?
Just yesterday, RBI informed us that India’s inflation is around 5.59%. To be honest, that doesn’t sound like a nightmare (that people in Zimbabwe have gone through - read here). But when you compare it with the ever-so-safe bank FD…
Are you looking for Best NPS Funds for 2021 in India or the Best NPS Fund Managers for 2021 in India or Best NPS Schemes in 2021 to invest in? Then you will find all your answers here. Before we…
Read More Best NPS Funds (2021) – NPS Scheme Returns & Best Fund Managers
When we Indians start earning for the first time, the first brush with savings happens via EPF deductions. Your salary is automatically deducted and some amount goes towards your EPF corpus. Then comes the first tax-saving season. When we wake…
Read More 7 Best Investment Options for Salaried Indians (2021)
