RBI Floating Rate Bonds were introduced in June 2020 as a replacement for RBI 7.75% bonds (2018) A floating-rate bond has a variable interest rate, unlike a fixed-rate bond. When interest rates increase, the interest payout increases and vice-versa. There is no cumulative option. The interest rate for these bonds would reset every six months….
Continue reading →In the third edition of personal finance audits by readers, a single mom of two kids shares her inspiring journey. Her money story also brings out the importance of working with a SEBI registered fee-only advisor. As regular readers may be aware, we publish a personal financial audit each December – this is the 2020…
Continue reading →These are the freefincal handpicked list of mutual funds for Jan-Mar 2021. New and old investors can use it according to their specific needs. Called “PlumbLine” started in Sep 2017 for beginners to accompany the freefincal robo advisory template. What is Plumbline, and how should I use it? A plumbline is an alignment device, used…
Continue reading →If a stock has defied the COVID-19 and its impact on stock markets, it has to be Adani Green Energy Ltd. The stock of the company Adani Green Energy Ltd [AGEL] has given phenomenal returns ever since it became listed on the stock exchanges. In this stock analysis, we consider if Adani Green can be…
Continue reading →In recent times, since many of us are working from home, people have turned to freelance to use their extra time and make some additional income. While it may seem easy and glamorous to make money working from home or any remote location, freelancing is not as easy as it appears to be. In this…
Continue reading →As regular readers may be aware, we publish a personal financial audit each December – this is the 2020 edition: How my retirement portfolio has performed in 2020. This time, we asked regular readers to share how they review their investments and track financial goals. Suhas was the first to do this: How Suhas tracks his…
Continue reading →ICICI Prudential Insurance has introduced a Single-Premium Annuity Plan called ICICI Pru Guaranteed Pension Plan. In this review, let us analyse its features, merits and demerits and evaluate if the plan has any value to offer. What Is It? ICICI Pru Guaranteed Pension Plan is a “Non-linked Non-participating Individual Annuity Plan” About the author: Ragesh G…
Continue reading →The “Code on Wages”(“Wage Code”) Act, 2019 aims to transform the old and obsolete labour laws into more accountable and transparent ones. The Act seeks to simplify the wage definitions and universally regulate the provision of minimum wages for all workers in India. In this article, we explain in simple terms what the new wage…
Continue reading →I am happy to announce the release of our new e-book: How to profit from content writing. Two professional content writers, Smriti and Deepti share their experiences and insights on how to create effective content, how to become a freelance content writer and generate regular side-income. You can buy the book at a 50% discount…
Continue reading →Each year, I evaluate my retirement portfolio’s performance and my son’s future portfolio in a personal finance audit. Published since 2013 these audits hopefully would encourage similar action among readers. This year, readers have started sharing their audits – How Suhas tracks his MF investments and reviews financial goals. Two more such audits will be…
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