# Gautami – Kamal Hassan Split points to the financial dangers of a live-in relationship

It is common knowledge that Gautami and Kamal Hassan split in Oct. 2016 after a 13-year live-in relationship. Yesterday (Feb 24, 2018) she published an eloquently worded article on her blog distancing herself from Kamal. Eloquent because there is much to read between the lines, but that research aside, I would like to focus on the financial…

# Warning! A long-term financial goal will soon become a short-term financial goal!

All long-term financial goals would soon become short-term financial goals. Perhaps it is obvious that with the passage of time that a goal 18 years away, will soon become a goal 3 years away.Children’s education goal is the best example of this. ‘They grow up so fast!”, we hear everyone say around us. Question is,…

# SIP Returns Calculator

Article: Mutual Fund SIP Returns Calculator Calculators: Download the SIP-returns-investor-version Updated: Jan. 2104. Thanks to Shekar for pointing out an error in the CAGR calculation. Contents: versatile SIP corpus calculator, goal planner, SIP and lump sum returns (CAGR) calculator Download the SIP-returns-pro-version Updated: Jan. 2104. Thanks to Shekar for pointing out an error in the…

# Impact of MF Expense Ratio Calculator

When you invest in a mutual fund a percentage of what you earn as returns is subtracted to pay for the fund manager, fund distributor, advertising and other expenses. This is referred to as expense ratio. For example if you invest Rs. 1 lakh in a fund and if the fund returns 10% in a…

# Comprehensive Child Planner

This insurance with goal planner allows you to determine: 1. the insurance amount need to secure college and marriage expenses of two children 2. the amount need to save for college and marriage expenses 3. insurance amount need to provide inflation adjusted monthly expenses for the family and school expenses for two children It provides…

# Retirement Corpus Guesstimator!

This calculator is inspired by a couple of posts (links below) on retirement by Subramoney. It allows you to guess how much you need for financial independence during retirement  and computes the corresponding pension or how long the corpus will last if it has to match future expenses indexed to inflation. It also calculates the…

# Portfolio Rebalancing Simulator

Portfolio rebalancing refers to the realignment of the asset allocation of a portfolio (% in stock/equity, % in bonds/debt) back to the original asset allocation planned for the investment. This is done to control risk and  increase the potential for returns. You can read more about this here: http://invest-it-yourself.com/rebalancing.php I have developed a portfolio simulator…

# Financial Freedom Calculator – Version 1

Imagine having a corpus big enough to generate enough money to handle all your annual expenses while still growing to keep pace with inflation for your lifetime! You would then be financially free! Of course you will have to be free of debt as well. You are then ready to retire or work whenever you want!…

# Think Before Taking a Car Loan!

Thinking of taking a car loan? Hold it right there! Did you know that the value of a brand new car depreciates by 20% when you drive out of the showroom! Add to this a 15% depreciation in value each year (assuming normal wear and tear) the govt recommends! This implies in the first few…

# XIRR Returns Calculator

You can use this calculator to determine the compounded annualized growth rate on your investments like endowment policies, ULIPS, Chit funds or any investments where you have made some payments and received some money either periodically or as a lump sum at the end. You will be surprised how easy it is to calculate this using…

# Flexible Compound Interest Calculator

Say you have investment period of 15 years and you want to invest: i)  Rs. 1000 for 3 years @ 10% interest each year ii)  Rs. 5000 for next 5 years @ 8% interest each year iii) Rs. 9000 for next 7 years @ 7% interest each year how much will you accumulate? Find out…

# Financial Health Check – Standard Version

Online financial health checkers usually are based on “personal finance ratios”. read more about them here. There are more useful to the finance professional than to the layman to assess the financial state of an individual. So I made this financial health checker which does not reply in these ratios. In fact you could even…