There is a need to constantly evaluate your equity and debt NPS schemes against the market indices to assess their true performance over the years. In this regard, I was quoted in a news piece in Mint (link): Here is…
Read More NPS vs Benchmarks: How is your Retirement Fund doing? (Quoted in Mint)
I did a simple analysis to see what is the Difference in the Final Portfolio value when you do a simple Rs 25,000 Monthly SIP for 10 years by investing in Active Largecap Funds (DIRECT Vs Regular)? Here are the…
Since the last few weeks, Nifty50 has been in a downward spiral, though not a brutal one. And at the time of writing on 4th February 2025, there have been 18 Negative Days out of the last 20 Days for…
Read More 18 Negative Days out of the last 20 Days for Nifty50
The concept of diversification is widely recognized in the investment world. It typically encompasses two primary dimensions: Diversification across asset classes - such as equities, debt, real estate, and gold. Diversification within an asset class - for example, within an…
Read More Role of International Exposure in Domestically-Biased Portfolio
Indian markets have been falling for a while after making their lifetime highs around September-October 2024. Since then, at least Nifty50 has been slowly grinding down and has now given 5 Consecutive Negative Months. And this last happened almost 30…
Read More 5 Consecutive Negative Months for Nifty50 (Oct-2024 to Feb-2025)
If you’ve been tracking the cost of your much awaited U.S. trip or wondering why imported goods feel pricier, you’ve probably noticed the Indian Rupee (INR) depreciating against the U.S. Dollar (USD). Exchange rates aren’t just abstract figures - they…
Read More Understanding the impact of Global factors on INR’s Exchange Rates
It’s over. As feared earlier, the government has finally decided to Discontinue (& Phase Out) Sovereign Gold Bond (SGB) scheme. This has led to investors looking for Alternatives to Sovereign Gold Bonds to invest in gold in India now. While…
Read More End of Sovereign Gold Bonds – Alternatives to SGB Now (2025)?
I was recently quoted in Moneycontrol in an article titled "Home loan interest rates may drop: Here's how to maximise savings with prepayments". Here is the link to the online version of the article - Link You can also read…
The Union Budget 2025 had surprisingly pleasant news for the Indian taxpayers. More so for the so-called and often-ignored Middle Class of India. And what exactly is the good news? The Indian Taxpayers opting for New Tax Regime and earning less…
Read More Rs 12 lakh Income = Zero (0 or NIL) Tax in India (Budget 2025)
The Budget 2025 has once again Revised (and effectively reduced) the tax slabs for ONLY the new tax regime (read more here). Here is a comparison table of the New tax regime Slabs vs. Old tax regime Slabs (applicable from…
Read More Revised New Regime Vs Old Regime Tax Slabs (Budget 2025 Changes)
The income tax slabs in the new tax regime have been changed slightly. As per the announcement, instead of 6, now there will be 5 income tax slabs. The New Slabs and new Income tax rates under the new income…
Read More New Regime – Tax Slabs & Rates for FY 2025-26 / AY 2026-27 (Budget 2025)
The insurance regulator IRDAI has asked all health insurance companies to NOT increase health insurance premiums for senior citizens by more than 10% per annum. Also, insurers would now need to take prior permission from IRDAI if they need to…
If January 2025 ends on a negative note, then this will be the 4th Consecutive Negative Month for Nifty50. And this has not happened for 24+ years! Update (31-Jan-2025) - January 2025 actually did end in a negative of -0.58%…
Read More Will January-2025 be the (Rare) 4th Consecutive Negative Month for Nifty50?
17 years ago, when the 2008-09 Bear Market started, the days 21st January 2008 and the very next one 22nd January 2008, were forever etched in everyone’s (present then) memory. Nifty50 fell -8.70% and -5.94% on these two consecutive days.…
Read More 21-22 Jan 2008 (Fall of -8.70% & -5.94% for Nifty50) – Clustering of Big Days (Analysis)
