PPF or Public Provident Fund is one of the most popular investment options in India in 2023 that also provides tax benefits. Few more reasons for its popularity even to this day is that the interest earned on PPF as…
Read More How Interest on PPF Account Balance is calculated in 2023?
My wife and I got some coverage in Times of India a few weeks back. The coverage was mainly about how some Indians are working towards their Financial Independence (or let’s say Early Retirement). Here is the article: After the article…
This is the April 2018 update for the State of Indian Stock Markets and includes historical analysis and Heat Maps of Nifty50 as well as Nifty500‘s key ratios, namely P/E, P/BV ratios and Dividend Yield. Please remember that these numbers are averages of P/E, P/BV and Dividend Yield in each month. Neither Nifty50 heat maps…
Our personal finances can be full of tough questions. And one such tough question is: How much money do I need to retire in India? Most people are yet to start planning properly for their retirements. The reason is obvious.…
Read More Why Retirement Planning is called the ‘Nastiest Problem’ in Finance?
Last few months have been very dynamic and interesting for the mutual fund industry. 3 big changes have taken place that are going to impact all mutual fund investors and how they take their investment decisions in future. If you…
Read More 3 Big Changes that will impact Mutual Fund Investors
I get this asked quite often - it is well proven that equity is good for long-term investments but what about the short term? What are the good saving and investment options for short-term goals? There is no perfect answer…
Recently, a client of mine completed a year with me. Since I clearly remembered his first interaction with me (will share details later), I thought it would be useful for me to understand his view about financial planning and its…
If you are an existing mutual fund investor, you would already be aware that a lot of mutual fund schemes are being renamed, recategorized, merged, or getting their mandates (investment objectives) changed. Technically, this is being referred to as 'Categorization…
Read More SEBI Mutual Fund Categorization & Rationalization (2023)
A friend recently needed some money to spend (or maybe splurge) on his wedding. 🙂 I helped him a bit. But since his need was greater than what I could pitch in with, he went ahead and took a small…
Read More Personal Loans – How to borrow if you Can’t Avoid?
This is the March 2018 update for the State of Indian Stock Markets and includes historical analysis and Heat Maps of Nifty50 as well as Nifty500‘s key ratios, namely P/E, P/BV ratios and Dividend Yield. Please remember that these numbers are averages of P/E, P/BV and Dividend Yield in each month. Neither Nifty50 heat maps…
They say: If you figure out money, life is incredibly easy. But unfortunately, if you don’t, it is incredibly hard. And that is so true! You must have met people who have really ‘sorted’ their financial lives and it shows…
Why do you need the mutual fund NAVs of 31st January 2018? Or as it is called as the Fair Market Value (FMV) of Mutual Fund NAV as on 31st Jnuary 2018. Its because in the Budget 2018, a 10%…
Read More NAV of Mutual Funds on 31 Jan 2018 (FMV for Grandfathering of LTCG & Tax)
If you are looking to get yourself a Personal Finance Plan or Personal Financial Plan, then you should find either of these two people: A good Fee-Only Financial Planner A trustworthy, competent Fee-Only SEBI Registered Investment Advisor And before you…
They brought it back. And you already know what I am referring to. Ending almost one-and-a-half decade long tax holiday, investors now face a non-zero tax environment as far as long term capital gains from equity is concerned. Long Term…
Read More Life after LTCG Tax & You – the Long Term Equity Investor
This is the February 2018 update for the State of Indian Stock Markets and includes historical analysis and Heat Maps of Nifty50 as well as Nifty500‘s key ratios, namely P/E, P/BV ratios and Dividend Yield. Please remember that these numbers are averages of P/E, P/BV and Dividend Yield in each month. Neither Nifty50 heat maps nor Nifty500 heat…
