11 Investment mistakes newbies should avoid in 2020!
SEBI registered investment advisor Sriram Jayaraman discusses 11 Investment mistakes newbies and young earners should avoid in 2020!
Continue reading →Category: fee-only India
This is the archive of all our articles related to fee-only India and SEBI registered fee-only investment advisors
How financial services industries aim to take 1% of your wealth each year
The financial services industry has one goal: transfer wealth from the client to themselves. Their goal is to extract 1% of the clientâs net worth each year in various excess fees. Here are five tactics used to achieve this and how you can protect yourself.
Continue reading →Worried your income is not enough? Here is how you can plan for financial goals
Are you worried that you will not be able to achieve your financial goals like kid’s education and retirement with your income levels? Here is a step by step solution
Continue reading →How I Helped a Young Nuclear Family Invest For Their Children’s Future
When a couple has children, securing their future is a top priority. In this article, SEBI Registered Investment Advisor Preeti Zende discusses the case of a couple, Venkatesh and Latha who desire financial freedom but will have to secure the future of their two children first. She explains in detail how a family can plan…
Continue reading →Do not make these mistakes while planning your retirement!!
A lot of people start contemplating retirement because a âback of the envelopeâ calculation shows them that they now have created a corpus high enough to meet their annual expenses. Fed up of the high-stress job, fed up of grinding away alone in âGulfâ with family back in India, having built a home, children now…
Continue reading →Factors that helped me achieve financial freedom
SEBI registered fee-only investment advisor, S R Srinivasan (SRS) discusses his journey to financial freedom for the benefit of freefincal readers. This is the second part of his guest post. In the first part published yesterday, he talked about his approach and investment choices. If you have not read it, please head over there first…
Continue reading →How I achieved financial freedom and became an Investment Advisor!
SEBI registered fee-only investment advisor, S R Srinivasan (SRS) discusses his journey to financial freedom for the benefit of freefincal readers. You may recall that he recently wrote about the List of Mutual fund categories that you can avoid! (incidentally, this went viral!). SRS believes in numbers based insights and naturally, I find this appealing….
Continue reading →How lifestyle inflation can impact our financial stability
We often focus a lot on regular inflation while planning for our goals and cash flows. But a very important aspect which gets missed is âLifestyle Inflationâ. This is the concept where a person increases their expenses when there is an increase in their income, in addition to the regular increase in the cost of…
Continue reading →Everything you need to know about equity portfolio construction
This is a step by step guide on equity portfolio construction for retail investors with a listing of options available and pros and cons of each by SEBI Registered Investment Advisor Swapnil Kendhe who is part of my list of fee-only financial planners. Swapnil is a familiar name to regular readers. Swapnilâs website is Vivektaru. You can…
Continue reading →Are clients happy with fee-only financial advisors: Survey Results
As readers may be aware, for the last six years I have been maintaining a list of SEBI registered fee-only financial advisors. It is a matter of great pride that hundreds of freefincal readers work with these fee-only advisors (FOAs). Recently I had requested such clients to complete a feedback form. Here are the results….
Continue reading →An open letter to my father: Even love cannot fill some gaps
Dear Dad, I had always heard that God takes good people first. I know you were too good, but why you were so good, Dad? I am writing this letter to you because I am unable to express my feelings to anyone else. It has been three months that you are not with us. I…
Continue reading →This will change the way you invest: S&P Index Versus Active Funds report
Avinash Luthria explains why the most important report about mutual fund investing in India was published in April 2010 – the S&P Index Versus Active Funds India report – and how there is sufficient and repeated evidence avoid active mutual funds and change the way we invest. I respect Avinashâs approach to investing especially his realistic…
Continue reading →Should Mutual Fund Distributors become SEBI Registered Investment Advisors?
“What is your honest advice to friends in the MF distributor community? Do you suggest that it might be better for us to turn into fee-only financial planners or SEBI registered investment advisers?” This is a question asked on Youtube and think the best person to answer it is, Swapnil Kendhe, who successfully transitioned from…
Continue reading →Employee stock options: Are you overexposed to individual stocks? Try this!
Do you have stock options from your employer? Then you are likely to be overexposed to individual stocks. That is the bulk of your portfolio could be from just one or two shares. This is a huge concentration risk and must be handled systematically. Since I know many readers suffer from this problem, I requested…
Continue reading →Are you ready for a mature approach to personal finance?
In this guest post, SEBI registered investment advisor Avinash Luthria who is part of my list of advisors and fee-only India discusses six simple and elegant approaches to managing money. Avinash previously was a Private Equity & Venture Capital investor. His articles have appeared at Business Standard, Mint and The Ken. I respect Avinashâs realistic views on investment risk and reward. His…
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