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Each week I try and answer generic questions from readers. You can use the form below to ask your question.

Paresh Valabhbhai Chauhan: Sir, i have approx seven lac rupee in my KOTAK saving bank. I am getting 6% interest in savings account. In all banks, the FD rates are also nearly 6.5-7.5. In all liquid fund, it is nearly same. Where should I transfer money for a better return if there is possibilities of requiring this fund in next 4-8 months? Please also consider Tax criteria. I am on the border of 10-20% tax slab. read more

Each week I try and answer generic questions from readers. From last week the Q & A will appear on Mondays. You can use the form below to ask your question.

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Pranav Surya just posted in AIFW that "Oman Air + Lufthansa are running a fantastic promotion for cities to travel from Delhi". If you want to avail such huge discounts, follow the steps pointed out in our new book: GameChanger (Rs. 199 hardcover; Rs. 99 Kindle). Additional tips are available in the Travel Training Kit (Rs. 199) read more

Each week I answer generic questions on personal finance & investing from readers.  Here is this weeks edition. You can use the form below to enter your question.

Announcement: Venkatesh Jambulingam has been kind enough to translate few of my posts in Tamil. Please support his work by sharing it. Latest posts:

How to review a mutual fund portfolio (Tamil) (English version is here)

Minimalist portfolio ideas for young earners (Tamil) (English version is here) read more

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Each week I answer generic questions from readers. Here is this weeks edition. You can use the form below to ask your question.

D. Bose: How do you identify and invest in multi-bagger stocks before they become multi-bagger, and how to find out the right time for entry and exit.

Pattu: Wrong person to ask this question. My two cents for what they are worth: Let us stop and think for a moment, how many stock investors would have asked this question (at least to themselves) over 100s of years of stock trading and if it is practical to expect a formulaic answer to both parts of your question? read more

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Each week I try and answer generic questions on personal finance (this week has a creamy title-worthy question on nutrition). You can use the form below to ask questions.


Aniket Bhadane: 
When people say don't expect returns of more 12% from Mutual funds, which returns are they talking about? CAGR, XIRR, rolling returns, absolute returns?

Pattu: They are referring to annualised returns. Which is equal to CAGR for a single investment and XIRR for multiple investments. read more