The stock markets have been bleeding. And the fall in stock prices is also reflected in the fall in NAVs of mutual funds and the value of most investors’ mutual fund portfolios. I got a few emails and several messages…
Read More My Mutual funds are Falling. I am Worried. What to Do Now?
In your 20s, life is actually not too burdened with responsibilities and other complexities that come later. You have started earning (well), have very few burdens and responsibilities and are full of energy. It's when you cross from the 20s…
Read More Financial Planning in the 30s sets Strong base for a Solid Financial Life later
Is NAV different for Regular and Direct plans of the same mutual fund scheme? The answer is Yes, it is. And the Direct plan NAV will always be higher than Regular plan NAV. It has to be. And the reason…
If you are a salaried employee, then chances are that you have an Employee’s Provident Fund (EPF) account that you regularly make contributions from your salary deductions. You might know what the latest EPF interest rates are, but do you…
Read More How to calculate EPF interest on your EPF account balance?
Bank fixed deposits (or FDs) are considered to be one of the safest savings options because of their guaranteed returns. And this has been the perception since decades. But people have now started asking which bank is safe for fixed…
Read More Which are safe banks for Fixed Deposits in India (2022-23)?
So ow much is Rs 5 Crore FD Interest per Month (2022)? Sometime back, I wrote about How much is Rs 1 crore and Rs 2 crore FD monthly interest. Many readers mailed asking that they were conservative and risk-averse…
Read More How much monthly interest can I get for Rs 5 crore in fixed deposit (2022)?
Note - This is a super long post. You may want to bookmark it if you want to read it later. When it comes to retirement planning in India, the NPS or National Pension System is slowly getting more and…
Read More What is NPS + How NPS Works in India: Detailed Guide (Updated 2022)
As you already know, the National Pension System or NPS is designed to save for retirement by making a contribution during the work life. Though most people still don’t give retirement planning the importance it deserves (read why?), the government…
Read More Difference between NPS Active & Auto Choice (Updated 2022)
The National Pension System (or NPS) is a retirement savings product that allows investors to invest in equity and debt as a means for proper retirement planning. And it is aimed at providing a pension at the time of retirement…
Read More NPS Exit & Withdrawal Rules & Taxation (Latest 2022 Update)
Till now, you have been getting the so-called free advice from your investment agents (more specifically MF distributors, insurance agents and IFAs). So why am I telling you that ‘Fee-Only Investment Advisor’ or ‘Fee-Only Financial Planner’ better for you? Because,…
Even though NPS is a product designed exclusively for retirement planning, what attracts most people to NPS is Rs 50,000 extra tax benefit it offers via deduction. As per the current tax rules (2019-20), there is an additional Rs 50,000…
Read More NPS Rs 50,000 per year – Retirement Corpus & Pension Calculation (2022)
I still get queries from readers asking that does it actually makes sense to switch their mutual fund investments from regular plans to direct plans. The simple answer is Yes. And I also tell them that since direct plans of…
Read More Returns of Direct plans are higher than Regular MF plans
When financial advice is easily available free (as many believe it) from family, friends, colleagues and online, then what can be the reason for paying a fee for getting it? Many in India think like this. There is a general…
A good yet simple Employee Provident Fund Calculator or EPF Calculator can tell you many useful things like EPF Maturity value among other things. So if you are a salaried employee who regularly contributes to his / her Employee Provident…
Are you looking for EPF Interest Rate for the financial year FY 2021-22?. EPF Interest Rate is 8.1% for the financial year FY 2021-22. This is as per the latest EPF interest rate 2022 notification of the government. Employee Provident…
Read More EPF Interest Rate History (Updated 2022) & Interest Calculation EPF Balance
