PPF or ELSS? Where should I Invest to Save Tax?

The  primary stumbling block that prevents investors from achieving  holistic fiscal health is mental clutter. Their minds are filled with the wrong questions.   The right question is a prerequisite for finding the right answer. One such wrong question, and the flavour of the season is: Where should  I invest to save tax? PPF or ELSS?…

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Equity Portfolio Construction – Chennai Investor Workshop Video

Balaji Vaidyanath from Sundaram AMC where he works as a fund manager in its PMS wing spoke about, investment process and construction of an equity portfolio on 1st Nov. 2014, at the Chennai Investor Education Workshop on Financial Planning and Goal-based investing. The  workshop was jointly organised by Srinivasan Sundararaman of MoneyKare, Wealth Managers, and myself and…

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Excel Home Loan Amortization Schedule Template

Use this Excel-based template for creating an amortization schedule for your home loan. It allows you to visualize the monthly and yearly evolution of interest and principle components and the balance of the loan. It can accommodate regular (monthly, quarterly, bi-annual and annual) and irregular (random months) pre-payment schedules. It can also handle a loan…

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Notes on Financial Fortification

Life insurance, health insurance, accident insurance and critical illness insurance  are tailor-made fortification products that help a family tackle unpleasant and unexpected developments. Be it expenses due to hospitalization, or loss or decrease  in income due to death, accident or a critical illness.  I refer to them as fortification products because they protect the families…

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