Last Updated on October 8, 2023 at 1:32 pm Is early retirement in India possible? Can a 45-year-old with ‘enough’ saved up, hang up his boots and avoid a full-time job for the rest of his life? In this post, I do a feasibility study considering three different scenarios for early retirement to determine the…
Continue reading →Last Updated on September 4, 2018 at 9:59 am Should disciplined long-term goal based investors use mutual fund systematic investment plans (SIPs) or rupee cost averaging? This question has been bugging me for long and personally, I hate a SIP I think it is a product tailor made for mutual fund distributors and sold to…
Continue reading →Last Updated on August 30, 2021 at 3:48 pm Here is why I think one should not invest in the National Pension Scheme even if you get tax benefits. This is the updated version of an earlier post. Earlier I had recommended subscribing to the NPS if you get tax benefits via the employer contributions….
Continue reading →Last Updated on September 4, 2018 at 9:59 am Whether you are contemplating early retirement or are close to your natural retirement, here are four simple calculators than can answer four important questions: What is the corpus required for financial independence in retirement? How long will my retirement corpus last? How much can I withdraw from…
Continue reading →Last Updated on September 5, 2021 at 8:28 pm Since the time my step-by-step guide to selecting (Equity) mutual funds become popular, I have been receiving requests to publish a similar guide for debt mutual funds. Well begun is half-done. If an investor can confidently select categories suitable for their financial goals, short-listing a set…
Continue reading →Last Updated on December 18, 2021 at 10:42 pm Here is a list of ‘qualifications’ necessary to do your own financial planning. This is not a ‘find a financial planner, if you cannot find the time to do it yourself, post! I am writing this for two reasons: out of irritation and fear. I am…
Continue reading →Last Updated on August 30, 2021 at 3:24 pm In this post, let us consider how to calculate returns from ‘dividend’ and ‘dividend reinvestment’ mutual funds. This post represents an understanding of an issue which has always troubled me since the (first) manual version of mutual fund tracker (notice the frequent revisions). I thought I…
Continue reading →Last Updated on December 18, 2021 at 10:40 pm Are we at the start of a bull run? Will the markets tank after elections? Should we book profits now, while the going is good? Should I invest now or wait after the election results are announced? Such questions are on everyone’s mind. While dealing with…
Continue reading →Last Updated on April 3, 2019 at 10:18 am Here is a list of ‘action items’ for someone who has taken a term insurance policy. 1. Maintain a health record! Some take a term insurance policy with chronic illnesses. Some find out that they have a chronic illness (or is predisposed to one) when they…
Continue reading →Last Updated on January 10, 2023 at 10:11 pm Use this tool to analyse the performance of equity mutual funds with 31 indices from BSE and NSE. Monthly SIP and lump sum investments for periods ranging from one to seven years can be compared. This is the third version of the Mutual Fund SIP Returns Analyzer. The present…
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