Unless you are ultra-rich or have a business churning out unmanageably uninvestable levels of cash ;-), it is important to save some money. In this context, I have already written about a common dilemma that people face- Spend Today or…
Don’t Buy ‘Return of Premium Term Plans’
It is a no brainer that when it comes to life insurance, its best to purchase term insurance policies. By paying a very small premium every year (generally a few thousand rupees), you get a large life insurance cover. And…
In this ‘No Pension’ era, Do Not underestimate Retirement Planning
Most of you will not get any pension when you retire. The age of getting a safe, solid and a reasonable pension got over several years ago. So unlike our earlier generations who were lucky enough to get a pension,…
Read More In this ‘No Pension’ era, Do Not underestimate Retirement Planning
Laddering Life Insurance Policies – Is it Useful? (in India 2025)
Have you heard of life insurance ladders? Or laddering of life insurance in India? If yes, then great. If not, then this would be interesting for you. You will agree that life insurance requirements are fairly dynamic and different for…
Read More Laddering Life Insurance Policies – Is it Useful? (in India 2025)
How to get Higher Returns than Fixed Deposit? Alternatives to FD in India (2024)
Are you looking for alternatives to fixed deposits in India in 2024? I don’t blame you. The current fixed deposits FD rates in India are not great - even for the banks best for fixed deposits earlier. And as these…
Read More How to get Higher Returns than Fixed Deposit? Alternatives to FD in India (2024)
What is the best time to Prepay your Home loan?
As soon as they take a home loan, most people start thinking about how to prepay home loan quickly and close it as soon as possible. For home loan borrowers, doing home loan prepayment can be financially beneficial as it…
(Quoted: Economic Times) Ask The Experts Section
I was recently quoted in Economic Times WEALTH (November 2020) in the Q&A section where a panel of experts answer reader’s questions related to any aspect of their personal finance. Here is the reader query about investing to grow wealth…
Increasing Gap between Retirement Age & Life Expectancy
We are living longer than our previous generations. The average life expectancy of us Indians is around 69. (You can check it here yourself) But that’s the average. My guess is that life expectancy generally increases with income. At least…
Read More Increasing Gap between Retirement Age & Life Expectancy
Pleasure of Walking Tall (Must-Read)
The following is a beautiful text from an advertisement in the 1960s (to be specific, from First Federal Savings advertisement). It talks about why you need to save. No don't let your preconcieved notions about such text stop you from…
Health Insurance or Life Insurance – Which to buy first?
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?
Which Multicap funds have become Flexicap Funds (2020-21)?
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)?
Stable Investor is 9 Years Old (+ Special Offer!)
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 to put your hard-earned money (2026)?
Are you looking for safe banks to put your hard earned money in India? While almost all banks are reasonably safe in India, many people are often worried about smaller banks as few of them have had collapsed in past…
Read More Which Banks are Safe in India to put your hard-earned money (2026)?
Why Home Loan Principal gets paid off slowly in the initial years (2025)?
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 (2025)?
Buying residential house up to Rs 2 crore? A new Income Tax Relief for you
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