Delay Gratification – the key to financial literacy

Last Updated on January 27, 2015 at 9:22 am Every now and then, one can find an article that says, ‘should we teach financial literacy in schools?’, where the authors talk about the importance of power of compounding, investing in equity and all that sort of thing.  Stuff like math and biology seem unimportant and dispensable…

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Automated Stock Analyzer – Discounted Cash Flow Valuation

Last Updated on December 3, 2020 at 3:48 pm The automated stock analyzer now includes discounted cash flow valuation. The analyzer now has four methods: 1) Price Multiple Model 2) Sustainable Growth Rate 3) Book Value Growth Rate 4) Discounted Cash Flow First, I would like address a few issues faced by users while downloading…

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Retire early to lower your retirement corpus!

Last Updated on October 8, 2023 at 5:16 pm The sooner you retire, lower the retirement corpus necessary for financial freedom!* * terms and conditions apply! Let us consider this counterintuitive aspect of retirement calculators in this post,  which stems from Sudhindra Aithal’s comment on this topic in response to the low-stress retirement calculator. Let…

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The Rate Cut in Perspective

Last Updated on October 1, 2023 at 5:38 pm RBI surprised everyone by announcing a 0.25% reduction in repo rate (from 8%) yesterday.  The market welcomed this news with a sharp rise. Several self-proclaimed long-term investors welcomed their  prospective notional gains as enthusiastically as they despaired at their notional losses when the markets ‘crashed’ a…

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To Surrender, or To Make Paid-up, that is the question!

Last Updated on December 18, 2021 at 10:44 pm Thanks mainly to personal finance bloggers, more and more individuals are recognising to the need to treat inflation as the benchmark for long-term goals. With this comes the inevitable realisation that investments that have an insurance component in them – endowment plans, money-back plans, traditional with-profit…

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