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 (2025)?
How to quickly Prepay 25-year Rs 50 lakh home loan in just a few years. House purchase in India (2025) 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 (2025)? 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…
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!
Why do we need to track the weightages of Nifty 50 stocks in the index? Because seemingly, the index is witnessing a concentration risk for some time now. And hence, those who track Nifty50 or invest in index funds tracking…
Due to the ongoing health crisis, the expat hiring has been pushed on the back burner at least temporarily. This is a common thing happening around the world and not just in any particular country. And even the existing expats…
Are you planning to buy a house and need to borrow via a Rs 50 lakh home loan? Congratulations! House purchase is a big decision both financially and emotionally speaking. But do you know how much the Rs 50 lakh…
Recently, I was talking to a friend who is working but plans to quit her job in a few year's time to pursue a 2-year full-time MBA. Her idea was to fund her master’s degree using her own savings. I…
Read More Financial Tips for working professionals planning for MBA
The Indian government has announced the waiver of Interest-On-Interest (or Compound) interest during the loan moratorium period of 6 months. We shall discuss this in this post. Do you remember the 6-months loan moratorium announced by the Indian government from…
Read More Waiver of Interest on Interest (loan moratorium 2020)
I recently got quoted in the national daily paper Hindustan Times. It was for their coverage about how people should refocus on having their contingency (emergency) funds in order. During normal times, people gradually start forgetting about such buffers. But…
Read More (Quoted: Hindustan Times) Emergency & Contingency Funds
Home loan rates are low. In fact, very low when compared with the historical trends. Many home loans are quoting at sub-7% now! I can't remember when last time the rates were so low in recent past. But that’s not…
Read More Home Loan Rates Falling. Property Prices Down. Should you buy a House now?
