Are you prepared for pay cuts or job loss? A guide to survive lockdown impact
With the lockdown set to impact almost all businesses for months to come, this is a guide to handle a sudden loss income
Continue reading →Archive of Articles and resources for financial planning
With the lockdown set to impact almost all businesses for months to come, this is a guide to handle a sudden loss income
Continue reading →Here is why you should not be in a hurry to invest Rs. 1.5 lakh into PPF within the first five days of April!
Continue reading →If you had paid Rs. 66 for an item in 1980, it would cost Rs. 1000 today! Inflation constantly reduces our purchasing power. Here is how we can handle this risk.
Continue reading →Investor deposits are now protected up to Rs. five lakh person. This, however, does not mean your money is safe! Why a lot more has to be done to protect investor interests
Continue reading →What I learnt by investing for son’s future (education + marriage) for ten years in a combination of mutual funds and PPF
Continue reading →How I achieved financial independence by tracking investments and increasing them instead of micro-managing and tracking monthly expenses. You can download the investment tracker that I use.
Continue reading →This is my 2019 personal financial audit: How my portfolio has grown? How my investments have fared? Where am I with respect to my goals?
Continue reading →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 →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 ‘Lifestyle Inflation’. 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 →You might have seen financial advisors or bloggers like me chant repeatedly “invest with a goal”, “invest with a goal”. Have you ever wondered why? After all, many people regularly ask in financial forums, “I do not have a goal in mind, I just want to save or invest or build wealth, how should I…
Continue reading →The other day, I was in a get-together, and the topic of personal finance came up. One of them asked where to start. There was an inevitable chorus of “security analysis”, “intelligent investor” and the likes. There was also the litany of blogs that mindlessly parrot Buffettisms and Mungerisms with “investor” in their titles with…
Continue reading →Each time gold prices start to move up, there is talk about how “gold is a hedge”, “gold is a safe haven”, about how every investor should have a small exposure to it, 5-10%. The question investors should really be asking is, how much gold in my portfolio will protect it against a market crash?…
Continue reading →Yes, NRIs can invest in PPF accounts that were opened when they were resident Indians in 2020. They will get the same interest rate as everyone else. The confusion arose when the ministry of finance announced in October 2017 that subscribers should close their PPF accounts when they become non-residents. However, in a circular dated…
Continue reading →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…
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