When it comes to wealth creation and tax-savings investment options, an equity-linked savings scheme (or ELSS) is one of the best instruments to save taxes and generate good returns. But many investors are not sure about how many ELSS funds…
Don’t Invest in a new ELSS fund every year
Yes. This is a very common mistake that many ELSS investors make. They invest in a different new ELSS scheme every year and as a result, end up with several ELSS schemes after a few years. One thing to understand…
Want to invest in ELSS for tax saving on 31 March? Beware of this Rule.
Are you planning to invest Rs 1.5 lakh in tax-saver ELSS mutual funds in the last week of March 2021? To complete your tax-saving for the year? Then please be extra careful. Besides the obvious risk of getting your market…
Read More Want to invest in ELSS for tax saving on 31 March? Beware of this Rule.
SIP vs lumpsum in ELSS Funds tax saving: Which is better (2025)?
It is that time of the year when people are looking for some last-minute tax saving. And amongst the many available tax-saving options, the tax-saver ELSS funds are one of the popular ones. It has the potential for generating high…
Read More SIP vs lumpsum in ELSS Funds tax saving: Which is better (2025)?
IPO Mania. Looks like Easy Money. But Be Careful.
Quite a few IPOs are lined up and have been coming thick and fast in recent times. And more importantly, many of them are witnessing significant oversubscriptions. That in itself is a clear sign that appetite for IPOs is rising…
Joint Home Loan repayment Tax Benefits (2025)
Can both husband and wife claim income tax deduction for home loan repayment? Or, How do I claim tax benefit on a joint home loan? Or, Can both husband and wife claim housing loan benefits? These are some questions with…
1729 Mutual Fund Schemes: Which is suitable for you?
Few days back, I came across a tweet (link) that highlighted the number of mutual fund schemes that are available for Indian investors. The answer is 1729! Yes. This is the number of schemes that you as a mutual fund…
Read More 1729 Mutual Fund Schemes: Which is suitable for you?
Debt Funds Vs. Fixed Deposit Taxation (Updated 2025)
These days when interest rates have fallen off the cliff, Fixed Deposits have been losing sheen continuously. As result, people looking for alternatives to fixed deposits often compare Fixed Deposits with Debt Funds. And when such comparisons are made, many…
Read More Debt Funds Vs. Fixed Deposit Taxation (Updated 2025)
Can you open both Sukanya Samriddhi and PPF account for Daughter?
Two readers mailed me similar queries: Can I open Sukanya Samriddhi Account as well as a PPF account for my girl child? and Should I choose Sukanya Samriddhi Yojana or PPF when investing for my daughter? The answer is simple.…
Read More Can you open both Sukanya Samriddhi and PPF account for Daughter?
8 investing parameters of Gold Bonds (My views in Morningstar)
Recently, my thoughts on Sovereign Gold Bonds or SGBs were published on Morningstar (India). In this one, I try to highlight the features of this new way of investing in gold. Here is the link to the original article with the…
Read More 8 investing parameters of Gold Bonds (My views in Morningstar)
Bitcoin, Cryptocurrencies, your Finances & FOMO
Just a few days ago, Bitcoin crossed $55,000. And very recently, Bitcoin once again reclaimed the market capitalisation of $1 trillion. A simple search for Bitcoin price on Google shows this result: That's more than Rs 40 lakh! And it's…
How are Sovereign Gold Bonds (SGB) taxed in India (2025)?
The Sovereign Gold Bonds (or SGBs or simply Gold Bonds in India) are one of the best ways to invest in gold in a non-physical and digital form. Issued by the RBI on behalf of the government of India, these…
Read More How are Sovereign Gold Bonds (SGB) taxed in India (2025)?
Sensex at 100000 (1 lakh): By When?
Very recently, the Sensex crossed 50,000 - a psychologically important number for many. As soon as that happened, investors are now becoming greedy for more. So, thrown out are the discussions about what has happened, i.e. Sensex@50,000 (Sensex@50K) and new…
Sensex at 50,000: How to manage long-term investments? (My Moneycontrol Column)
The Sensex has been flirting with the psychological level of 50,000 for some time now and has been quite volatile in recent weeks. Even though 50,000 is just a number, the fact that the market is up 100% since March…
Read More Sensex at 50,000: How to manage long-term investments? (My Moneycontrol Column)
How to get Rs 1 crore on 18th Birthday of your Child?
Having Rs 1 crore when your child turns 18. How would that make you feel? I am sure pretty good. 18 is the age which would be pretty close to when your child would have just begun his/her higher studies.…
Read More How to get Rs 1 crore on 18th Birthday of your Child?