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…
Life after LTCG Tax & You – the Long Term Equity Investor
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…
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State of Indian Stock Markets – February 2018
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…
Why commission based Mutual Fund Distributors (Agents) are unable to give proper financial advice?
Why commission based Mutual Fund Distributors (Agents) are unable to give proper financial advice? That’s a strong statement to make. Right? But this is a fact. Let me try to explain why I am saying this. But first, I hope…
How much is Rs 1 Crore FD Interest per Month? (2025)
So you have Rs 1 crore to deposit in bank fixed deposit in 2025? And that is why you want to know how much will be the Rs 1 crore bank interest per month in India? Lucky you! Not many…
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State of Indian Stock Markets – January 2018
This is the January 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…
Result of Overestimating & Underestimating Risks
As investors, we are generally guilty of two things: Underestimating risks Overestimating risks And the result in both cases is fairly obvious: Underestimating risks - can lead to losses (at times huge) Overestimating risks - can lead to missing out…
Can you Save Taxes with Smart Financial Planning?
If retiring early OR having enough money to live a life that you truly want is your aim, then let me tell you one thing. Tax Saving alone will not help you much. I agree that no one wants to…
Market Timing – Possible? [Case Study]
It was difficult to not make money last year (in 2017). In fact if you did not do well last year, you should do some soul-searching as to why your boat was not lifted in a rising tide. 🙂 But…
Credit Cards aren’t that Evil
Talking about using (or not using) credit cards is a controversial topic in itself. But I will not paint everything about credit cards with the same brush that many people use, i.e. credit cards are evil. Though I am in…
Nifty Annual Returns: Historical Analysis (Updated 2024-25)
[Update]: Annual Nifty Returns updated on 31st December 2024 to show full-year actual returns. What were Nifty 50 annual returns in 2024? Or you may have more general questions like: What have been Nifty annual returns? What have been Nifty…
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State of Indian Stock Markets – December 2017
Happy New Year everyone! This is the December 2017 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…
Money We Have Vs. Time We Have
A member of our extended family expired sometime back. He was financially savvy and did everything right (as far as my understanding about managing money is there). Saved a lot… to an extent that it seemed a little too much.…
Taxation of Interest on Fixed Deposits & TDS: Latest Rules 2025
A person recently asked me ‘Is Fixed Deposit Interest Taxable?’ I was surprised. But there are many people like him who aren’t aware of the tax treatment of the interest income from bank FDs and other rules. So they miss…
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Book Giveaway RESULTS!
The result of the Book Giveaway to celebrate Stable Investor’s 6th birthday is out! The participation was huge. Thanks a lot everyone! 🙂 And here are the 3 winners: Kanishk Chaudhary Pallavi M. Saravanan Congratulations!! I am sending confirmation mails…