With the nod of the Securities and Exchange Board of India (SEBI) earlier this year, a new investment vehicle - Specialised Investment Fund (SIF) - is set to enter the market. Positioned as a middle ground between mutual funds and…
Read More SIF: Don’t rush into this PMS alternative – Economic Times Wealth (28-Jul-2025)
I have maintained that there is a need to relook at the way large/mid/small-cap stocks are classified. Currently, the Top-100 stocks by avg. marketcap during the last 6-month period qualify as Largecap stocks. The Top 100 is split as Nifty50…
Read More Need to Increase No. Large & Midcap Stocks by Widening Categorization? And How to Do it?
I was recently quoted in Economic Times WEALTH (7-13 July 2025) in the Q&A section, where a panel of experts answers readers' questions related to various aspects of their personal finances. And I also had an expanded view on the…
There is significantly less portfolio overlap among active Smallcap Funds than among Largecap funds. One of the reasons for this might be that, given the very nature of the small-cap space, there are numerous different styles/strategies that different fund managers…
Read More Making Sense of Overlap among active Smallcap Funds
Most people view “retirement” as a sharp break - working full-time one day, then suddenly doing nothing the next. This outdated mindset is flawed and often leads to problems later in life, leaving people disconnected and purposeless. Instead, it is…
Read More Rethinking Retirement + Is Retirement the Real Enemy of Longevity?
Let's compare the Overlaps between major indices of Nifty50, Next50, Nifty100 and Nifty500. How to read this table? There is an 81% overlap in the portfolios of Nifty50 and Nifty100. This is not the overlap of just the number of…
Read More Comparing the Overlaps between major indices of Nifty50, Next50, Nifty100 and Nifty500.
I was recently quoted in Economic Times WEALTH (30 June - 6 July 2025) in the Q&A section, where a panel of experts answers readers' questions related to various aspects of their personal finances. The exact question and the answer…
As India matures as an economy, every few years, we are bound to witness various financial innovations. The latest one, introduced by SEBI, is the Specialised Investment Fund (or SIF). It is an altogether new breed of investment vehicle, which…
Read More Should you invest in SIF (or Specialised Investment Funds) in 2025?
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of July-December 2025? The current or latest interest rate (2025) on RBI Floating Rate Bonds is 8.05% per annum. This is for…
Read More What is Interest Rate on RBI Floating Rate Bonds (July-December 2025)?
There have been No Changes in the small savings scheme for the quarter of July-September 2025. PPF interest rates - No Change (remains at 7.1%) - Possible reason? Once again, and like last time, do read Why did the PPF…
Read More PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Jul-Sep 2025
FIRE isn’t always about choice. F.I.R.E. can also mean ‘Forced Into Retiring Early’. That’s why professionals need to prioritise retirement over other financial goals. It’s time to accept the reality. Instead of assuming that you will be working till 60,…
Read More FIRE can Also mean ‘Forced Into Retiring Early’ – Economic Times Wealth (23-Jun-2025)
Cryptocurrencies are increasingly gaining acceptance and the global level, via governments and institutions. And in this space, Bitcoin (BTC) and Ethereum (ETH) for long, have been the two largest by market cap. In spite of gut-wrenching volatility (which makes them…
As financial markets world over evolve, investors are increasingly exploring alternative assets to diversify and strengthen their portfolios. Bitcoin, the world’s leading cryptocurrency, has slowly but surely emerged as a compelling option (at least with the younger generation of market…
Read More Does Bitcoin Have a Role in Future-Proofing a Long-Term Portfolio’s Asset Allocation?
Bitcoin, launched in 2009 as a decentralized digital currency, has evolved from a niche experiment to a global asset with a market cap exceeding $2 trillion. Trading at around $111,000 in Mid-2025, Bitcoin has already defied all its sceptics who…
Read More Why So Many Think 1-Bitcoin will reach price of Millions of Dollars in Future?
I was recently quoted in Moneycontrol in an article titled "Home loan dilemma: Should you prepay or invest after repo rate cut?" Here is the link to the online version of the article - Link And here are a few…
