Investing successfully is a lot like driving. You need to know when to accelerate, decelerate, change gears, move slowly in traffic, move quickly to overtake, stop for refuelling, and avoid accidents. Different skills are needed when driving uphill vs when…
Real Pain of 2008-2009 Bear Market
Most people haven't experienced the 2008-2009 Bear Market. And there is no way to just read about it and experience the pain. It had to be lived through. It was tough and excruciatingly painful. Imagine the scenario where Nifty50, the…
Fall from 52-Week Highs (as of 13-Jan-2025)
Is it time to Rethink Marketcap Classification in India (Published – Mint 10-Jan-2025)?
A few days back, AMFI published the updated half-yearly data on market-capitalization (mcap) bucketing for all listed stocks. As per SEBI’s current definitions, the Largecaps are the first 100 companies by marketcap. The Midcaps are the stocks ranked 101 to…
Read More Is it time to Rethink Marketcap Classification in India (Published – Mint 10-Jan-2025)?
Sharper Fall in Nifty Next50 (Jan-2025)
Nifty Next50 is in a kind of (red) spotlight given its sharp correction. And more so because the fall in Next50 from its highs (-17.5%) is much higher than not only to its category of largecaps, but also to mid/small/microcap…
Fluctuations of the INR-USD exchange rate
Understanding the Fluctuations of the INR-USD exchange rate is essential for grasping how global economic dynamics affect India and its currency. The exchange rate reflects how much one currency is worth in terms of another, and in this case, it…
What is Interest Rate on RBI Floating Rate Bonds (January – June 2025)?
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of January-June 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 (January – June 2025)?
PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Jan-Mar 2025
There have been No Changes in the small savings scheme for the quarter of January-March 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 Jan-Mar 2025
Nifty Give +8.8% in 2024. Just ONE Loss in last 13 Years (2012-2024)
This will be a very short post. Here is a list of Nifty50 returns during the last 13 years. 2012: +27.7% 2013: +6.8% 2014: +31.4% 2015: - 4.1% 2016: +3.0% 2017: +28.6% 2018: +3.2% 2019: +12.0% 2020: +14.9% 2021: +24.1%…
Read More Nifty Give +8.8% in 2024. Just ONE Loss in last 13 Years (2012-2024)
Fall from 52-Week Highs (as of 13-Nov-2024)
A Powerful Law in Financial Physics!
The law that I am going to talk about is like… Gravity. It has the same effect on investments as gravity has on all of us. I am talking about Mean Reversion. This law broadly means that above-average performance will…
Should Everyone Try to Prepay their Home Loans Fast?
You take a 20-25 year home loan and then you want to get rid of it as soon as possible. And to do that, you start making regular prepayments. I have written about the best home loan prepayment strategies several…
Read More Should Everyone Try to Prepay their Home Loans Fast?
Featured in Valueresearch’s magazine ‘Wealth Insight’ (Oct-2024 Issue)
Some of my tweets were featured in the popular Value Research publication's Wealth Insight (October 2024 issue). Here is the feature below in the image: I am quite active on Twitter (now X) and if you want, you can check…
Read More Featured in Valueresearch’s magazine ‘Wealth Insight’ (Oct-2024 Issue)
PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Oct-Dec 2024
There have been No Changes in the small savings scheme for the quarter of October-December 2024. 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 Oct-Dec 2024
Navigating 12.5% LTCG Tax: What it means for your Investment Strategy (Mint Column Aug-2024)
My views on this topic were recently published in a Mint column: The topic of 'increased 12.5% LTCG tax on equities' needs no introduction now. Most equity investors have already registered their anger, in one form or another, on different…