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How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Is Rs.1 Crore really enough to retire in India (Comfortably)?

A lot of people dream of becoming a Crorepati someday and assume a random ballpark figure of 1 crore, 5 crores,...

NPS Annuity Plans: How to Calculate pension amount you can get?

When it comes to Retirement Planning, NPS has become one of the important products to consider along with PPF, EPF, Superannuation...

How to do EPF Transfer from Old to New Company?- Online and Offline Process

This is the last and final article of the four-article series on the Employee Provident Fund (EPF). In case, you have...

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How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

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How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Is Rs.1 Crore really enough to retire in India (Comfortably)?

A lot of people dream of becoming a Crorepati someday and assume a random ballpark figure of 1 crore, 5 crores,...

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How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Performance Training

How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Is Rs.1 Crore really enough to retire in India (Comfortably)?

A lot of people dream of becoming a Crorepati someday and assume a random ballpark figure of 1 crore, 5 crores,...

NPS Annuity Plans: How to Calculate pension amount you can get?

When it comes to Retirement Planning, NPS has become one of the important products to consider along with PPF, EPF, Superannuation...

Holiday Recipes

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

WRC Racing

How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Is Rs.1 Crore really enough to retire in India (Comfortably)?

A lot of people dream of becoming a Crorepati someday and assume a random ballpark figure of 1 crore, 5 crores,...

Health & Fitness

How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Is Rs.1 Crore really enough to retire in India (Comfortably)?

A lot of people dream of becoming a Crorepati someday and assume a random ballpark figure of 1 crore, 5 crores,...

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How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

LATEST ARTICLES

How NRIs can take the best advantage of the rupee depreciation?

Since the beginning of the Russia-Ukraine crisis, there has been a steady downward trend in the international currencies vis a vis the...

How do Financial Advisors Charge in India?

After so many years of working as SEBI RIA (I was among the earliest few actually), I can truly feel that...

Mutual Funds for NRIs in India: A Complete Guide

A few years ago, NRIs could think of or preferred only real estate and bank deposits as investment options in India....

Is Rs.1 Crore really enough to retire in India (Comfortably)?

A lot of people dream of becoming a Crorepati someday and assume a random ballpark figure of 1 crore, 5 crores,...

NPS Annuity Plans: How to Calculate pension amount you can get?

When it comes to Retirement Planning, NPS has become one of the important products to consider along with PPF, EPF, Superannuation...

How to do EPF Transfer from Old to New Company?- Online and Offline Process

This is the last and final article of the four-article series on the Employee Provident Fund (EPF). In case, you have...

EPF Passbook: All you wanted to know

This is the third article of the four-article series on the Employee Provident Fund (EPF). In case you missed the first...

Top 8 “How to” Questions on EPF answered

This is the second article of the four-article series on the Employee Provident Fund (EPF). In the first article, we talked...

Employee Provident Fund (EPF): Everything you wanted to know

Employee Provident Fund (EPF) is generally the First Investment product that you encounter when you start your Financial journey. This is...

Mutual Fund Distributor (MFD) vs Registered Investment Adviser (RIA)- Who is better to take advice from?

Advice comes from an Advisor. A Seller cannot advise or generally do not advice, as the objective is to sell only....

Standalone personal Accident cover or Accident Rider- What to Choose?

Rahul, a regular reader of Good Moneying, asked us the question- I already have an accident and disability rider in my...

Financial Planning through life stages- How to approach?

Just as we age and change with time, so do our goals. Our life perceptions, needs, priorities, wants, desires, and aspirations...

What is the difference between multi-cap and Flexi-cap funds?

The Flexi-cap category of mutual funds came into existence in November-2020. It happened after the Restructuring done by SEBI in different...

How to Safeguard the Future of your Child through Financial Planning?

Generally, when such a question is asked, the expectation is that I will suggest some kind of Insurance Plan for the...

NPS for NRI 101: Your ultimate guide on National Pension Scheme in India

This article is about NPS for NRI, NPS Features, how to open a National Pension Scheme account for NRIs in India,...

Estate Planning in India: All you wanted to know (with FAQs)

When it comes to estate planning in India, people are of the notion that it is meant for only the rich...

Where to invest for a 5-year goal?| How to Invest for Long & short-term goals?

These are the very common questions asked by all those who consider financial Planning as an exercise only to make investments. Though...

NRI Investment in India: Best Options and Important Rules

NRIs looking for Investment in India often fall prey to mis-sellers, particularly their bankers whose main focus is to meet their...

Employee Stock benefit schemes- ESOP, ESPP & RSU: All you wanted to know

The corporate world is always in a state of flux and fluidity. There are no permanent loyalties and no permanent careers....

How are NRIs different from PIOs and OCIs?

Who are PIOs and OCIs? Person of Indian origins (PIOs) are basically foreign citizens with an Indian Passport, excluding...

Income tax Deductions FY 2022-23: Useful for Tax Planning

Income tax deductions under section 80C, 80CCD, 80D, etc. not only reduce the tax liability but also encourages savings and investments...

NRI Retiring in India – Important Points to Consider

Despite spending most of their time outside of India, Non-resident Indians (NRIs) are still Indians. Most of them are abroad for...

10 Important Do’s and Don’ts for the New Financial Year

Resilience, immunity, flexibility, adaptability, and protection. If we had to sum up the last two financial years –...

Income Tax for NRI in India- Some Important Rules to know

There are a lot many questions in the mind of first-time NRIs. Once you get to know that you are being...

Early Retirement – Planning for your Second Innings Beyond Money

After years of working, saving, and investing, you have reached the stage where you are thinking about early retirement. Most likely...

New Rules for ULIP Taxation

Union Budget 2021 had made some amendments in the Finance Act with regards to the ULIP Taxation. It has made the...

Essential Money Management Lessons for Your Kids

Parents are the first teachers of their kids. Be it social skills or life skills, parents give the first lessons to...

NRI Checklist: 10 Important things to do before you become an NRI

Anmol, a young professional working in a reputed MNC was deployed to the company’s office in Singapore. The assignment may last...

Budget 2022: 12 important announcements impacting personal finances

Just like last year, this time too, there are not any negative surprises in Budget 2022. When there is development and...

How to Stick to Budget in this Mobile Apps World?

Case 1: A Millennial Kapil Sharma is a software engineer who works in a mid-sized Android App development...

Online Shopping Safety: How to Avoid Overspending and Shop Safely?

Even for those who were skeptical of online shopping till a couple of years ago, it has become a necessity now. People...

Intestate Succession or Succession Without a Will: All you wanted to know

Everyone, not only the affluent, has a lot to share with their family members especially when it comes to leaving their...

Cryptocurrency – Is it worth riding the wave?

Let’s start the new year by discussing the Most Popular Product of 2021 - The Cryptocurrency. Cash, bank balances,...

In 2022, Let’s Resolve to say “NO”

They say to improve your focus on the things you want, you should consistently say NO to the things you do...

Potential Risk Matrix in Debt Mutual funds- How to Interpret?

If you are a debt fund investor, you must have received an SMS from your fund house at the beginning of...

How to Interpret an Equity Mutual Fund Fact Sheet?

Seeing the recent bull run, a lot of new investors have entered the stock markets through various routes- direct equity, mutual funds,...

RBI Retail Direct Scheme: Should you invest in G-Secs Directly?

Recently, the Reserve Bank of India has allowed retail investors like you and me, to directly invest in Government securities through...

All About the New Annual Information Statement (AIS)

In the budget 2021, the Finance minister announced that going forward assessees will get Pre-Filled ITR forms. As a step towards...

Balanced Advantage Funds vs. Multi-Asset Funds: Which one is better?

When it comes to constructing a mutual fund portfolio, one cannot ignore the importance of Asset Allocation. The recent market scenario...

New Bank Locker Rules 2022 – How this will impact you as a customer?

Bank Lockers are not a new service by Banks to its customers. A lot of people use these safety deposit boxes...

Power of Attorney in India- How to make the best use of this?

Rahul, an OCI living in Singapore, wanted to sell his property in Noida, but could not visit India due to Covid...

How Young and New Investors Should Set Their Financial Goals?

Radhika, a young and single IT Professional, got her first job in a big MNC and was asked to work onsite with...

Peer to Peer Lending – A New age way to Borrow or Invest? Should you?

Technology has taken an important place in our lives. It has made many things simpler. Be it shopping, communication, education, or information-...

OCI Status-What is special about it & New OCI Rules?

Overseas Citizen of India or OCI refers to the status accorded to persons of Indian origin or PIOs with foreign citizenship....

Core and Satellite Portfolio- for better Investment Planning

I recommend the Core and Satellite Portfolio Investment Planning approach to my clients who have achieved their financial goals and still have...

LIC Arogya Rakshak- How good this health insurance plan is?

The pandemic has once again taught us the lesson on how important it is to take care of our health. It...

Your Ultimate Guide to Alternative Investment Funds (AIFs)

Alternative Investment Funds are another sought-after product after Portfolio Management Services. Actually, It has slowly become a general notion that Mutual Funds...

Financial Independence- How easy to achieve and by when it is Possible?

Financial Independence is the ultimate goal. Every Planning exercise is directed towards this. I have dedicated a Full Chapter to Financial...

PMS Investment|How PMS is different from Mutual Funds: A Complete Guide

When it comes to investing in equities, it can be done in various ways. You may either buy shares directly through...

NRI Bank Accounts: Everything you wanted to know

When an Indian Resident becomes an NRI, the first thing he/she should do is to change the status of his/her resident...

NRI Joint Account with Resident Indian – Is this allowed?

A person going overseas for study or employment must either open a new NRO account or convert their savings bank account...

Target Maturity Funds: Is Passive debt Investing a good Strategy?

There have been a lot of events happening in the debt markets lately, ranging from the downgrading of papers issued by...

Form 15ca and 15cb: All you wanted to know

Rahul Mishra, an IT professional in the USA, requested his father to send him some money to help him buy a...

Limited Premium Payment Term Plan- Should you go for it?

Term insurance Plans are slowly becoming a sought-after product. Earlier people were reluctant to buy Life Insurance where they do not...

How to set up SIP in NPS|Online D-Remit Facility

NPS is a long-term investment product meant for retirement planning. Additional tax benefit under section 80CCD(1B), 60% lump-sum tax-free withdrawal on retirement,...

Form 15G and 15H: How to Avoid TDS on Interest income?

As per Income Tax Rules, Banks and Corporate need to deduct TDS on the Interest payment made to the deposit holder,...

New ITR Forms for Income tax Return filing AY 2022-23

Filing Income Tax Returns is one of the most important tasks to be completed in a financial year. Be it- salaried...

9 Important Questions to choose a Personal Financial Planner in India

Choosing the Right Personal Financial Planner in India can be a task. There are so many nomenclatures and titles used by the...

Fee-Only Financial Planners in India- Everything you wanted to Know

Fee Only Financial Planners are quite sought after these days. The USP of these advisors is that their Professional earnings are only...

Financial Advisor in India – The Best for your Financial Planning?

In this complicated world of finance, Financial Advisors carry an important place. Financial Advisors in India are in big demand, not...

How to Select the Best Online Financial Advisor for YOU?

Estimated reading time: 8 minutes Online financial planning is getting quite common nowadays. Earlier Investors are...

Bajaj Allianz life Guaranteed Pension Goal- A Detailed Review

Estimated reading time: 10 minutes There are 3 kinds of Investors. One who are risk-takers and...

Why do Average Investors earn Below Average Market returns?

Estimated reading time: 8 minutes Today I want to share with you a story of one...

ESG Funds: What is so Special about this Investment theme?

Estimated reading time: 10 minutes Not only financial returns, the focus of investors, especially Millennials (in...

21 Signs of Bad Money Management, You better be watchful of

Estimated reading time: 4 minutes Your Money Management should give you enough time to keep your...

How to prepare yourself for Next Stock Market Fall?

Estimated reading time: 10 minutes What are you saying? "The Stock Market Fall??" Do you foresee...

Smart Beta Funds- Is this the new age way of Investing?

With Direct plans in mutual funds gaining popularity in recent years, investors are getting inclined towards low-cost investing.

Budget 2021 and your Money

Yesterday evening, I got a call from one of my clients. He told me what he understood from the budget speech was...

Luck or Skill – What matters More in your Success?

My neighbor visited me yesterday. He saw me in some zee business show and then caught me reading a book, outside my...

Lifetime Lessons Learnt in 2020 – Your Money Your Life

2020 had taught us many things in different ways. In fact, all years have their own share of learnings and experiences,...

Know your Mutual funds – 5 Recent changes Announced in 2020

2020 has been an eventful year in all areas. When most parts of the world are working from home and getting...

5 Best and lesser-known ways to use Life Insurance Policies in India

Life Insurance carries an important place in the financial planning of an individual. This is the first product which generally is advised...

What is DigiLocker? – How to open and use DigiLocker account.

The recent changes in Motor Vehicle Rules which came into effect from 1st October 2020 say that the physical verification of vehicular...

Employee Provident Fund Rules: 5 important things you should know

Employee Provident Fund is proving to be a boon for salaried employees in this falling interest scenario. Be it small saving...

All You Wanted to Know about REIT: Is this a good investment?

Real Estate attracts everyone. Even if someone already has his own house or maybe a second house too or some commercial property...

LIC Jeevan Akshay VII| The Popular Pension Plan is back

LIC is back with its most popular Immediate Pension Plan Jeevan Akshay VII or should I say, relaunched the Old Jeevan Akshay...

Income tax Return Filing – Why it is Important to file ITR on time?

If you are among those who feel that, if the bank has deducted TDS on your bank deposits and also the employer...

The Only 3 Reasons you may need a Financial Planner

Lockdown days were kind of a blessing in disguise when I happened to connect with the old and even long-lost friends, online...

6 Safe Investment Options in India 2022-23

With stock markets going highly volatile, equity market movements are not making sense, debt funds are facing defaults and downgrades in papers...

Segregated Portfolio taxation –How Units in Segregated Portfolio be taxed on Redemption?

With the Franklin, Nippon and UTI Mutual funds paying their Unitholders back the recovery proceeds of Vodafone Idea Security lying in its...

How Mutual Fund Benchmarks helps in selecting the Right Fund for you?

Benchmarks have their own importance in each and every sphere of life. Whenever there comes a question of performance evaluation, Benchmarks...

Stress Test in Personal Finances

The word "Stress test" generally referred to as the Heart function test which shows how your heart works during physical activity. Because...

New RBI Bonds 2020: Safety of Capital but No Fixed Interest

Here is a new safe Investment option for you. But this safe is a bit different as though it will provide...

Is your Money Giving you Stress? Keep Your ECG in Check!

Your Money gives you Stress or happiness- this was the topic of my last week’s Money Talks Episode with my Friend Sumit...

5 Ways to Compare Mutual Funds

Comparing mutual funds can be tricky, there are as many as 44 Fund Houses offering more than 2500 mutual fund schemes in...

What is RNOR Status? Important for every Returning NRI to know

Samar, one of my school-time friends who works with a software firm in the UK, called me during the lockdown days to...

Expense Ratio in Mutual Funds

Mutual Fund Expense Ratio has never been a topic of interest until the Direct Mutual funds came into existence in 2013. 

What is SIP in Mutual Funds?

There are many investors who do not know what a Mutual fund is, but they have SIPs running in their name. On...

All About Taxation of Mutual Funds In India

If you are a mutual fund investor or planning to be one, then it would be wise to know the taxation...

What is Mutual Fund: Types and Concept Explained

A survey conducted by the Association of Mutual Funds (AMFI) along with the Boston Consulting Group in August 2019, states that- Mutual...

When is the right time to exit your Investments?

I have to admit that this is a difficult question. We always say that the right time to invest is anytime, as...

How good is gold as an investment?

With Equity Markets going negative and showing heavy volatility, Panic in debt markets after the Franklin Fund action, Falling rate of...

Income Tax Deductions List 2020-21 (AY 2021-22)

Check the Updated version of this article- Income Tax Deductions FY 2022-23, Click here Financial Year 2020-21, brings to...

Old or New Income Tax Rates Slabs (FY 2020-21 & Beyond)- what to choose?

In Budget 2020 FM announced a proposal of a new Income tax rates regime where a salaried person not having income from...

21 Good Money Habits for a Great Financial Life

I always feel that Financial Planning is not only a Goal Focused but a Habit Building Exercise. Though results are not...

Follow the Lockdown Rules – Keep Your Investment Safe

Every crisis comes with its own learning. And most of the time it only asks us to stay Calm, so to...

3 Months Moratorium on Loan EMI – Important things to Understand

3 Months Moratorium on the all the term loans as announced by RBI, was very much appreciated by the borrowers, expecting it to...

Mera Paisa Doob Raha hai

This time is different. No, I am not saying anything about Investment markets which finds its own reason to rise and...

What is Inflation and how it impacts your Financial Plan?

Inflation and taxes are two holes in the Investments pocket. While making investment, the ultimate goal is to have a positive return post inflation...

What is the Right Time to Start Financial Planning?

What is the Right Time to start Financial planning? Many people connect this with age and say that they are too...

AFFORDABLE HOUSING SCHEME- SUBSIDIES AND TAX BENEFITS(INFOGRAPHICS)

Affordable housing is an important vertical under PMAY (Pradhan Mantri Awas Yojana), wherein government offers interest subsidy to the eligible beneficiaries, for the purchase...

Union Budget 2020 and its Impact on your Personal Finances

Union budget has always been one of the most important events for the country as well as for Personal & Corporate finances....

What is Side Pocketing in Mutual funds– Segregation of Portfolio

In recent times, the Mutual Fund industry has witnessed a series of downgrades and defaults. Starting from the IL&FS, Essel, DHFL, and...

My Book – The Art of Being Good with Money

Though, I have already shared this news with you in my earlier article – Signs you have unhealthy Relationship with Money that...

Taxation of NRE Fixed deposits for Returning NRIs?

NRE Fixed deposit is a very popular product among NRIs with very valid reasons. The first one is the Safety and certainty...

21 Money Mistakes You should avoid making in 2021

Yes, I know you never make mistakes. And this is why you only want to know what you should do to make yourself financially...

Income tax deductions list 2019-20

Check the Updated version of this article, a detailed one- Income Tax Deductions FY 2022-23, Click here In this Infographic,...

Let’s Make Life More Meaningful in 2020

No, it’s not about new year resolutions, which are meant to be broken, with all the Justified excuses.

Focus is No Longer Enough – You need Mindfulness

I have a strong belief that the way you are in your personal life, how you treat yourself and your surroundings, the way you...

HDFC Life Sanchay Plus Review – Guarantee has its Minus too

The word ‘Guarantee’ attracts everyone.  Especially in a scenario of Volatile Markets, when you are unable to see any certainty in the returns...

Signs you have unhealthy Relationship with Money

Relationship with Money? I do not understand. What does that Mean? Amit was looking bit perplexed when I asked about his....

Non ELSS Tax Saving Mutual funds for Conservative Investors

Kusum looks quite impressed with my last article on the balanced funds. For the same. She is a First-time investor and was...

Balanced funds – When should you invest in these funds?

First of all, let me make clear that there is no longer a category of Balanced funds in Mutual funds. Even...

Why is Retirement considered to be the Most Important Goal?

Why do you think Retirement is such an important Goal? I mean it’s too far and I have many other important...

What Income Categories are Eligible for Standard Deduction In Income Tax?

The standard deduction is a fixed amount that is allowed as a deduction from your Gross Income to arrive at Net Taxable...

Deposit Insurance in India – How secured are your bank deposits?

After the recent PMC bank scene, the queries have again been started pouring as to how secure are the bank deposits. The...

External benchmarking of Interest rates – How this will impact your Home Loan, Car Loan Rates?

Earlier when RBI announces any interest rates cut (Repo and Reverse repo) if you remember, every news channel and newspaper, used to...

Students Studying Abroad – When will they become an NRI?

Isn’t it immediately? When my child leaves India for studies and not expected to return for next few years may be more...

Financial Planning Tips for Professionals & Self Employed

Financial planning is important for all. Be it Salaried, or Small business owners, self-employed and even professionals. Today is the age of...

International Mutual Funds in India- Should you Invest?

International funds as the name suggest are those which invest in the securities of other foreign countries. Depending on the fund structure,...

How to select suitable Online Term Insurance?

Gone are the days when online term insurance policies were simple and easy to select. Now though the simpler option is still...

Stock Market in India is on the Verge of Crash. What to do?

The title of this article has been taken from another article shared with me by one of my close friends asking what...

Budget 2019 and Your Money

There were not many expectations from this budget. I mean it's just 5 months back the same government had presented its Budget (though Interim),...

Tools RBI use to manage Inflation and Growth

Do you know what leads to a reduction in your Home Loan rates? Or What factor influences the Bank deposit Rates?

Capital gains tax in India – 3 Rules you may not be aware of

Capital gain tax is a known term for all investors of Equity, Debt or Real estate. The gains made on capital assets are further...

How to Manage Debt Funds Risk in Investment Portfolio

But they said Debt funds are Risk-Free, Aren’t Debt Mutual funds the safe investment options? This question always crops up when there is a...

Financial Plan Vs Financial Planning – What is more Important?

Sahil, a Software Engineer, approached me last week to have some guidance and discussion on his investments. He...

Health Insurance for Diabetes- Comparative Analysis

Diabetes, the word itself is very haunting. As commonly called "Sugar" it is a chronic disease which leads to multiple complications if not managed...

You don’t need an adviser to make Investments

Some days back I was invited to speak at ET wealth Investment workshop. I spoke on Risk profiling, as to why it is an...

Mutual fund SIP with Insurance – Is this the Right Choice?

I am always of the view that one should not mix insurance with Investment, which is why my advice has always been to buy...

Pradhan Mantri Shram Yogi Maan Dhan (PMSYMD)– Pension scheme for Unorganized Sector

This may not be for you, but since you are a part of society and it is your duty to help and...

Budget (Interim) 2019 and Income tax Changes for 2019-20

It was not a regular budget and main tax proposals generally get presented in the regular budget only. But still, Finance Minister...

Portfolio Turnover ratio in Mutual funds – How Important is it?

Among the other parameters, portfolio turnover ratio is also one to look at while selecting a mutual fund scheme. This ratio tells...

ROI or ROTI – What you value More?

High ROI is something that you always strive for when you invest your money but have you ever considered that there is another important...

Index funds in India – How attractive is Passive Investing?

Index funds in India have slowly gaining Traction, and there are a few important reasons to it. In the...

5 New tax benefits for Senior citizens in AY 2020-21 & Beyond

Tax Planning is not only about making Investments but also about using all the available exemptions and deductions in the best possible manner so...

Case Study – SIP is not the only way to save towards Retirement

I am not sure if I can achieve my retirement goals. I need at least Rs 40 thousand per month during my...

Type of Debt Funds – Know well to select good

There is 16 type of debt funds as defined and categorized by SEBI. And thus, overlapping of strategy and portfolio is quite...

5 Best Things to do in Volatile Markets

But don’t you think Volatility is the basic feature of equity markets, and all equity investors are expected to know it beforehand...

4 Money Traps that you should avoid falling into

Investment is a behavior game. One who can control his behavior wins the game and one who cannot, keep falling prey to...

Survivor Bias – Not Good for Success

After watching the video, which I created for the beginners, one of my readers Jatin sent his disagreement over email.

Unclaimed dividend and Redemption in Mutual fund

Last week, Sarita one of the blog readers asked a query on email. Below is its verbatim Dear Manikaran

Rent or buy a house? – This is how you should Plan

I am fed up of paying Rent. Every year I need to Renew the agreement and every 2 or 3 years I...

Double taxation Avoidance Agreement (DTAA)

Double taxation avoidance agreement or as abbreviation goes DTAA is meant to save Non-Resident Indians from paying taxes on their same Income twice. It...

Achieve Financial Freedom – Work responsibly with money

The word Financial Freedom in vogue these days. Come every 15th August, you will find lot many articles on this topic. I myself have...

Are Balanced advantage funds better than Balanced funds?

Balanced advantage funds were not a separate category earlier. The funds in this structure used to be considered as Balanced funds only....

What is the real meaning of Financial planning?

When you study CFP course, you have to pass different Modules covering different aspects of personal finance like Taxation, Investments, Insurance, Estate, Retirement etc....

Important Tax Planning Tips for NRI Returning to India

Moving from one country of residence to another permanently is never an easy process. It involves a lot of tough decision and...

5 ways to review mutual funds investment Portfolio

Building an Investment portfolio by just looking at the recent past returns is not wise and may disappoint at a later stage,...

Lipid profile of Personal Finances – Money Health check

A lipid profile is the blood screening test which is done to check your heart health.  As the function of the heart is to...

Mutual funds taxation – How is it different for NRIs?

Is mutual funds taxation different in case of NRIs? Is not the capital gain tax on mutual funds for Non-residents same as...

Fixed Maturity plans – A tax efficient Alternative to bank Fixed deposits

Fixed maturity plans or as popularly known as FMP comes under debt mutual fund schemes, but with a lock-in period or you...

Mental Accounting – How good or bad is it?

One of my friends’ father invests big time in Fixed deposits. I once explained him the product Fixed Maturity plans and told...

Who is an NRI – As per Income tax and FEMA. Important Rules?

Your Residential status is important to understand as it determines your taxability in the country. Many think that once they move out...

Max Bupa Go Active – Combination of health Insurance and wellness

Max Bupa Go active is the answer to Rising Inflation in medical treatments. It is the answer to the question “How much...

How to create a second source of Income in a family

Generating a second source of Income is a typical goal I am seeing these days in most of my clients’ and prospects...

Postal Life Insurance – A good competition to LIC

Postal Life Insurance is not a popular product. I came across the product features while analysing the Investments of one of my...

Why Obtaining Legal Guardianship is Important for Special Needs?

Mr Rajeev Sethi is 75 now and is the father of a special needs child. But it’s only now that he realized...

5 important Mutual fund changes in recent times

Last few months have been quite eventful for Mutual Fund Industry. SEBI being a regulator keep on suggesting changes into the funds'...

Financial literacy is more than being able to make investment decisions

Last week one AMC approached me to conduct an Investor awareness session for some corporate employees. I love conducting such sessions so there was...

How Worry impacts the financial decision making

I was in my hometown last week, where after almost 15 years, I met one of my school friends. His father died...

HDFC Life Pension Guaranteed Plan – A detailed Review

Pension space in India is changing very fast. With NPS getting popular day by day, and people getting sensitize towards retirement savings,...

ULIP vs Mutual fund – Where to invest in the new LTCG tax Regime?

ULIPs or Mutual funds, what to choose? This is a very old debate which till now Mutual funds have been winning. But...

How to select debt mutual funds in volatile interest scenario?

These days you must be reading a lot in different media publications that the era of low-interest rates is soon going to...

Budget 2018 – Investors will remember this for years

It felt like I was watching Sholay. The epic scene of Gabbar Singh killing -Kalia and 2 others. Actually, we have been...

Perpetual Bonds in India – Features,risk and tax treatment

Last Calendar year i.e. 2017 was not that good for Debt Mutual funds. It was disappointing for all the new investors who...

Types of Risks in investments and how to manage them

Does the word Risk haunts you or excites you? Do you consider risk as opportunity or uncertainty? Do you agree that even...

Deduction under Section 80C – All qualifying Investments and Expenses

This article is about the Investment products and expenses that come under section 80C of income tax act. Deduction under section 80C...

Predictions 2018 – What the new year has in its store for you

So, how do you think 2018 is going to be? Will we see stock markets touching new highs every...

LIC Jeevan Shiromani Money Back plan – Review

LIC Jeevan Shiromani is a money back plan specially meant for High Net Worth Individuals (HNIs) and not for masses (as being...

Apollo Munich Health Wallet – Confusion or Solution

Apollo Munich Health Insurance has announced its new product with the name Apollo Munich Health Wallet. The Product looks like the extended...

How to check CIBIL score online for free?

Reserve bank of India vides circular no. DBR.CID.BC.No.11/20.16.042/2016-17 instructed all credit information companies to share one credit report online for free of...

LIC Jeevan Akshay VI | Immediate Pension Plan worth Considering

LIC Jeevan Akshay VI is an immediate pension plan, which creates a regular income stream from the very next month of Investment....

Cancer Care Plans – Concept, Features and Comparison

LIC has recently come up with its second health insurance plan with name LIC cancer care plan. Many other companies also have...

Women’s Financial Independence – whose responsibility is this anyway?

What probably triggered this article is my meeting last month with Smita, whom I met to sort out her money matters after the recent...

Cost Inflation Index|Capital gain Index|Indexed cost of acquisition

Updated on: 19.06.2022. Cost Inflation Index number is referred to while calculating the Indexed cost of acquisition of a capital asset, which further helps in...

PPF account rules and NSC (Amendments 2017) for NRIs

PPF has been a Darling product for all investors. Even NRIs prefer to continue with their PPF accounts until the time they...

Are loans available for people with no Credit history?

No matter how prepared you may seem in life or sometimes due to mismanagement of the finances, there may be times when...

Post Office MIS with Post office RD – How deadly is this combination?

Post office MIS is quite a popular and sought-after product to create monthly income. The name “Monthly Income Scheme” has its own...

Claim settlement ratio – Is it really important to consider?

Claim settlement ratio has become a parameter of the integrity of the Insurer. People look down on the insurer having a low...

This Dussehra kill these 10 bad habits for your Financial Wellness

Dussehra is the festival that symbolizes the victory of Good over Evil. There are 2 stories behind it, One in which Lord...

It’s Mandatory to link Aadhaar to Mutual funds. Here’s how to do it online?

Linking of Aadhaar to mutual funds investments is now mandatory, as per the recent amendments made by Ministry of Finance in the...

What is a Good return on your Investment?

Good Returns? Of course, more is always better. This is the common answer by investors. No one wants to settle for less.

Financial Health Check for Doctors

Are doctors different? Do they require some specific kind of financial planning? These are the first few questions that were asked to me while...

How to make use of Gift Tax rules in India to save Income tax

Gift Tax as the name says is a tax applicable on Gifts Received. It is the receiver of gift who is liable...

Allocate with Purpose – Investment strategies for Education and Retirement

Asset allocation is no longer an alien word to the Investor community. Whether they follow the process or not, at least they are aware...

What is equity? Its much more than just stock market investment

What is equity? It may sound like a very basic question but it actually is not. I have always found investors looking...

Bank of Baroda health Insurance – Baroda Health – Review

Baroda health is a health insurance policy for Bank of Baroda account holders, in tie up with national Insurance company Limited. After...

Why should debt investments be a part of your long term portfolio?

Debt investments for long term, no way. Long term means equity only. This is what the norm these days is, this is...

Julley!! Its Me, Spiti and Awesomeness

It was an unplanned trip. I was searching a location for summer break and did not intend to visit Himachal this time,...

NPS Investment – Active or Auto choice–Which is better

NPS is no longer an alien product to Investors. With the tax benefit u/s 80CCD, it is one of the sought after product, especially...

When should you foreclose your home loan?

Home Loans are usually a big burden, not only financially but mentally too. Home loan rates keep changing with time and economic...

Mutual funds consolidated account statement – help trace lost money

A few days back one of my clients came up with a bunch of papers, which in fact were mutual funds account...

Pradhan Mantri Vaya Vandana Yojana– LIC Guaranteed Pension

This post was updated on May 25, 2020. In the budget 2017 speech, the finance minister had announced that...

AB Arogyadan – Andhra bank Health Insurance policy

AB arogyadan is a health insurance policy offered by Andhra bank to its bank account holders in collaboration with united India Insurance...

How to evaluate a financial planner – It’s not a Number game

Sahil called me last week, and he wanted me to review his financial plan, which was prepared two years back by some other financial...

What is Superannuation fund in India?- Vs. NPS

Superannuation fund benefit is a kind of Pension benefit that employer provides to its employees. Since this does not require any contribution...

Income from house property – Calculate tax on the Rental income

Understanding calculations behind Income from house property is imperative for those who are catering to a home loan on their self-occupied or...

BOI National Swasthya Bima Policy – Review

In the series of reviewing health insurance policies offered by nationalized banks, this time I am reviewing Bank of India national swasthya...

Are Capital gain Bonds worth buying to save capital gains tax?

Capital gain bonds are used to save long-term capital gain tax on the sale of property (Residential or non-residential). But at the...

Should you shift your home loan from Base Rate to MCLR?

This is the second and concluding part of the article – “Should you switch your loan from Base rate to MCLR?” In...

Budget 2017 and your Money (Including amendments not announced in Budget speech)

One of my clients called me after stock market closing. He asked, what happened to Sensex today? Was there something good in the budget...

A Pause at Kaivalyadham

Phew!! What a month that was. January 2017 happened to be quite a busy month for me. If you have noticed that I was...

Falling Interest rates – Should you move your home loan from Base rate to Marginal cost of lending rate (MCLR)?

With SBI reducing its marginal cost of lending rate by 90 basis point, in the beginning of January’17, which has in turn,...

Make your life truly Happy and Prosperous – Practice PAUSE

I am sure you have welcomed new year with full fun and celebrations. Like every year, you must have...

Canara Bank Mediclaim (Apollo Munich Easy Group health Insurance) – Review

In the series of reviewing health insurance policies offered by nationalized banks, the next one is Canara bank Mediclaim. I have already...

How to use liquid mutual funds to your advantage

Liquid mutual funds as the name suggests are those which have a portfolio of very short-term debt instruments, mainly below 91 days. Such portfolio...

In search of a multibagger – Conversation with a Doctor

Saurabh, who is in his late 40s, and doctor by profession approached me for his investments. He said he wants to make most...

PNB Oriental Royal Mediclaim Policy – Review

Health Insurance policies Offered by Nationalized banks are gaining attraction these days. The first thing which attracts the most is the Low...

Long term debt funds are roaring – Demonetization impact

It was 8th November 2016, when Prime minister Narendra Modi, made the announcement on the Demonetization of Rs 500 and Rs 1000 notes,...

Is Financial planning for retirees too?

Sushil (57), a regular reader of goodmoneying, contacted me last week for financial planning of his son Vikram. Vikram has recently joined...

What is the Customer liability in case of Online and Card Fraud

I got really worried when Sudhir called me late night. It was 1 AM and he never called me at this hour....

Misselling or Misbuying?

Sunil was looking quite anxious in the investor awareness program conducted by me. He already had plenty of discussion in the tea break, but...

Online Term Insurance with Income benefits – Does it make sense?

Term Insurance plans have lost their simplicity. Yes, the plans which used to have a straight forward structure as in to pay...

Annual Information return-Taxman is tracking your transactions

On 1st Nov, 2021, the Income Tax Department has rolled out New Annual Information System (AIS). It will contain various additional information relating to...

Review your Health Insurance Portfolio – Are you covered of all Risks?

Every year when my health insurance policy gets due for renewal or whenever my client asks me that if their health cover...

How to prioritize your financial goals – This or That what to chose first?

This has always been a difficult task for many. Ask them to write down what they want from life and their money,...

Never ignore banks asking to resubmit your KYC documents?

Have you ever received any email or SMS from your bankers to resubmit your KYC documents and update the latest details in...

E-Insurance Account mandatory from October 1’2016 – How to convert your insurance policies in electronic form

E Insurance account is soon going to become a mandatory thing while buying new insurance policies and even while renewing your existing...

Financial Freedom is a Choice

FREEDOM means different thing to different people at different stages of life. Whether you call it Independence or Liberty, Freedom is a state of...

6 financial planning tips for newlyweds

6 financial planning tips for newlyweds Normally the discussion of financial planning starts after 1-2 years of marriage, but to derive the actual benefit out...

Sukanya Samriddhi Account Rules 2016 – 10 important features you must know

Recently, Sukanya Samriddhi Account Rules 2016 were announced by Government of India, Ministry of Finance (Department of Economic Affairs) vide notification dated...

Scarcity Mindset – Why is it difficult to think Long term?

Remember Rohit? The same guy who visited me last month and we discussed an importance of knowing net worth. He...

CIBIL Dispute resolution Process – How to repair your credit score

It is not necessary to have bad credit score due to your own bad credit behavior only; there can be other reasons...

eNPS – Step by Step guide to open New pension scheme(NPS) account online

Yes, this is true. Now you can open and operate your new pension scheme (NPS) account online too. This facility is not...

New PPF Withdrawal rules and Premature closure guidelines

PPF withdrawal rules and its premature closure feature have further made this product more attractive for investors. PPF is...

Financial planning – Smart way of Mis selling

Financial Planning is something which every regulator wants the agents/advisors to learn so that they are able to guide their clients well...

When should you and how to surrender LIC Policy?

When Ankur started his first job, on the advice of one of his colleagues he bought one LIC endowment plan. The basic...

Don’t fall in for Social Proof – You are Unique

Do you remember when was the last time you checked out traveller/buyers reviews before booking any hotel or when you bought something...

HDFC Life New Immediate annuity Plan – Review

With Retirement planning gaining importance, especially after the Push towards NPS by government, it has become important to understand immediate annuity products.

Stop Imagining – Get real and watch your Net worth

Rohit was travelling to Himachal for holidays and decided to stop by to meet me en route. It’s been almost a decade...

Financial Planning vs. Wealth Management

Do you also provide wealth management services? Asked one of my prospects, who was searching for something which he was also not...

Section 80GG – Save tax on house rent payments

House rent comprises major portion of family expenses. And this is considered to be a pure expense, without any tax benefit attached...

How to get the best deal on a second hand car?

Today, a car is no more considered as a mere luxury. It has become a necessity in today’s fast-paced life. The shortfalls in the...

HDFC Click 2 Retire – Is it better than NPS?

Retirement planning may not require you to invest in a pension plan, but buying a pension plan is always for post- retirement...

Should you invest in Mutual funds through your Demat account?

Sameer is new to mutual funds investment, but what he’s read around through different articles in media and online, that this is the best...

New Small Savings interest rates – Be friends with Volatility

Sanjeev (35), like many others, feel Equity is risky. He’s afraid of seeing RED in his portfolio, even if it is notional...

What women want – is Financial Independence

Whenever I write something on women and money, I feel that my mind revolves around the same thoughts and just to avoid...

Budgeting – Be aware of your expenses

I am earning good, living good, but still I don’t know if my savings are enough to meet my goals. And it...

Budget 2016 and your Personal finances

Was this budget 2016 a Nonevent? Well Yes, for those who were seeking some immediate tax benefits as always. But I think...

Rolling Returns- A better tool to evaluate Mutual funds

Even when mutual funds carry a disclaimer that 'past performance does not indicate the future performance of a fund', for everyone this is the...

Invest in direct plans of mutual funds,the financial planning way

Since 2009, SEBI has been coming up with a spree of regulations to increase transparency in Investment advisory business, with special mention to Mutual...

Should you invest in Retirement savings fund?

Recently one HSBC Survey revealed that nearly 61% of the working population in India aged 45 plus wants to retire in the...

How to use credit cards to your advantage

When Rahul got a mail from his bank that he’s eligible for a free credit card with a decent credit limit, he was not...

Birla Sun life Frontline equity – Mutual fund Review

Birla Sun life's frontline equity is one of the consistent performers in the Large-cap segment of Mutual funds. With a decent track...

Why you should not hire a financial planner?

In the last few years, financial sector has gone through a sea change. Launch of new improved financial products, revamp of the...

10 point checklist for tax saving FY 2015-16

We are in last quarter of financial year. Very soon you will be asked by your company people to submit your tax...

LIC Jeevan Labh ( Table no. 836) – Review

For the past few years, I have been observing that there’s a bit of similarity between LIC and Bollywood Khans. While Khans...

ICICI Prudential balanced Advantage – Does it Suit your Investment Portfolio?

ICICI Prudential balanced advantage is a balanced category fund having a unique structure of allocating between equity and debt, using in house...

Collect More Blessings in 2016

“Live your truth. Express your love. Share your enthusiasm. Take action towards your dreams. Walk your talk. Dance and sing to your...

Financial Planning doesn’t work in bits and pieces

What’s the first thing that comes to your mind when you hear the word “Financial planning”? Is it Investments and taxes only? If yes,...

How to carry forward and set off losses

In investments, though you strive for profits, but in the process you may have to face losses too. Losses are painful but,...

Why you should not Default on Education Loan?

Education loans like all other loans can create havoc in your personal financial life if not managed carefully. Even though it is...

Would your financial plan survive a serious illness?

Shubh Shubh Bolo, is a common answer that you hear from people when you ask such question. But It’s not about thinking...

Tax Implications when you Discontinue life insurance policy

Sonali bought a Unit linked insurance policy (ULIP), in December last year to save taxes. It was a last minute purchase so...

CIBIL Score: Common Myths & Misconceptions

The CIBIL score which is colloquial synonym for Credit Score is an expression of one’s credit health. The three digit expression denotes...

Creditor Proof Instruments

Loans and debt are now part of a consumer's life. And why not? It has made life convenient while buying goods. A person gets...

What happens when you cannot repay your home loan?

Looking at property prices, it is hard to imagine buying house on full down payment. Home loan has become inevitable in today’s scenario. Moreover...

6 habits of financially planned people

I used to think that financial planning makes people disciplined in finances. Proper financial planning takes away most of stress from their...

Sovereign Gold bond scheme – Why, What and How

Gold has always been a favorite investment asset among Indians. Though mostly use it for Personal consumption only but still call it...

New NPS withdrawal rules 2022

Updated on 29.06.2021 PFRDA has recently (June 2021) tweaked some of the withdrawal rules in NPS. Also, NPS is...

Fine tune your financial planning with power of Inversion

This post is ideated from a recent article of safal niveshak, which explains application of principle of Inversion on investing and decision...

How prepared are you for your House purchase?

In a past statement, Ex RBI Governor Dr. Raghuram Rajan stated that the property prices in India should come down had raised hopes of...

Were you sold what was told? Read Insurance policy document carefully

Like every novice investor, Sahil was also of the view that to save for tax benefit he needs to buy insurance policy. But since...

What are the Income tax rules on clubbing of income?

Gift tax provisions should always be read along with the clubbing of income rules. Many people try to dodge the taxman by...

Gift tax in India – Rules and exemption

Gift tax in India like Income tax is a reality. Yes, when you exchange gifts between friends , family or even a...

5 reasons why avoid investing in close ended mutual funds

In the last year and a half, there were almost 40-45 close ended mutual funds that had been launched, which collected more than Rs...

Bajaj Allianz Silver health Policy for Senior citizens – Review

Bajaj Allianz Silver health policy is designed to suit senior citizens the most. This doesn’t mean that it is specifically a senior...

Should you Buy Gold Jewellery or Gold ETF?

No Indian wedding can be imagined without gold. In fact gold always gets special treatment and specific budget allocation in wedding expenses. Indians use...

Where can you invest your Emergency fund?

But you said that emergency fund is not meant for investments. It is that liquid money which should be easily accessible and...

Conflict of interest – Beware of It when Investing

Conflict of interest is one of the major reasons of mis-selling; this is what Indian financial Regulators feel. This is the reason they come...

DHFL Fixed deposits – Wealth 2 Health

When we talk of investments in corporate fixed deposits, very few highly rated names comes to mind. Dewan Housing finance limited (DHFL)...

Yoga for Financial wellness – DhanSukh Kriyas

Physical wellness is much easier concept to understand and everyone can relate to it, but financial wellness is also important as finances are one...

How prepared are you for Stock market fall?

Published on June 17' 2015 Just asking, I know you don’t want to see a fall and have invested...

How to make health insurance claim in multiple policies

Adequacy of health insurance cover is must for your wealth. But how much of Insurance is enough will always remain a big...

LIC Jeevan Tarun (table 834) – nothing special

LIC has come up with a new child plan with name LIC Jeevan Tarun. Whatever the product is, I love the way...

Gold Monetization scheme – earn tax free interest on your gold deposits

As proposed by Hon’ble Finance Minister Mr Arun jaitley in his Budget speech 2015, the Draft guidelines of Gold Monetisation scheme has...

How Systematic withdrawal plan in mutual funds works?

Sometime back I wrote one article on Systematic withdrawal plan which shows how SWP works best with monthly income plans (MIPs) as...

Factors to consider before going for Education loan

The way education cost is increasing, it may not be wrong to assume that going forward education loan will become a necessity...

Are you still thinking?

Last week I met my friend Saurabh who is now a Regional head with one FMCG company and stationed at Bangalore. We were sitting...

EPF withdrawal rules – When and for what you can withdraw from your Employee Provident fund account.

Employee provident fund or EPF is generally the first organized savings product that one experiences at the start...

10 Tax planning tips for 2015-16

April is the month when your employer asks for the declaration of your tax saving investments plan for the current financial year....

All About TDS on NRI Investments

Being an NRI may get you privilege treatment from the bankers, property dealers, and from every seller of any product for that...

How to Manage Post Retirement Income flow – Bucketing strategy

Money management during post-retirement years can be tricky. Those retiring at 60 may have another 25-30 years to live and a wrong asset allocation...

Sticking to your budget can make your credit card a boon

Credit cards have always been an area of concern when someone starts taking care of the family and personal expenses. Many unnecessary...

Looking to mint money from equities? There’s more than patience to it

This article was originally written by me for Dalal Times, published on 21 march 2015 Rahul who’s an architect by profession calls himself a great...

5 money management tips beyond investments

Money management is not limited to making investments; it is overall management of your financial profile. Finances are integral part of your...

Sukanya Samriddhi Yojana – Everything you want to know

The current government has a focus on the development of women and the girl child. They have launched a slew of measures...

LIC Jeevan Sangam ( Table no. 831) – Should you buy?

LIC has become quite predictable now. It always comes up with new plan in the last months of financial year. Last year...

Budget 2015 and your personal finances

When the goal is to improve the economic condition then it is quite obvious that focus will be more on increasing the...

How to buy policy under Married women property act

The Married Women Property or MWP Act is enacted to protect the interests and properties of married women and children from relatives,...

Asset Location is as important as Asset Allocation

This article was originally written by me for Money control. Published on 16 Feb'2015 For a perfect investment portfolio, proper asset allocation is very important....

Save taxes for your successor

This article written by me was originally published in The Hindu Business Line on 2 feb'2015 Intelligently planning your estate can help save a...

Reliance Retirement fund – Pension product in a new Package

Reliance Mutual funds has recently come up with Reliance retirement fund. This fund will reopen for further subscriptions from Feb 20’2015. This...

Investment options in falling interest rates scenario

On January 15th 2015 much awaited rate cut was announced. To start with, it is 0.25% of repo rate, but market participants...

Managing child education expenses – Laddering approach

Rahul Singh has a well-diversified investment portfolio. He has followed financial planning principles to the core, and has always invested with a goal in...

What’s your One thing…?

Last week I finished reading a book titled “the one thing” written by Gary Keller and Jay Papasan. It’s a brilliant book which guides...

Religare Joy – New Maternity Focused health insurance Plan

Religare health insurance has come up with a new policy with name Religare Joy. This policy offers maternity cover with a waiting...

Best Mutual funds to invest in 2015

New year, new aspirations, new goals. This calls for the review of your plans made or actions taken in last year to...

It’s your life – MAKE IT LARGE in 2015

No I am not promoting any music CDs or what these advertisements indirectly endorses…this is my New Year wishes for you. Actually this is...

Child Plans of Mutual funds – a Review

When it’s a question of your child’s future, you always aspire for the best. You want to provide her the best education,...

Here’s the formula of success you were searching for

Your search ends here. Yes, today I will share with you the formula of success, which you've been searching for so long....

Why personal cash flow analysis is important for financial planning?

Personal Cash flow management is a boring job, do you agree? It’s quite difficult to dig deeper into the expenses to figure...

Tax saving, the financial planning way

For most of you investments to save tax are the only investments that you could be able to make in a single...

How to select the best health insurance policy in India?

When Gaurav’s Father was admitted to hospital for bypass surgery, the estimated cost of Rs 4 lakh was looking very much affordable...

Perfect Investment Portfolio – How it should look like?

When Sachin visited my office to discuss his investments he specifically said that he’s looking for a perfect investment portfolio. His current...

How to save capital gains tax on sale of property

Understanding taxation on real estate transactions is very important so one can do the necessary tax planning and save the maximum possible...

Best ELSS tax saving mutual funds to invest in 2014

Last year I wrote a detailed article on best elss tax saving mutual funds to invest in 2013 with reference to parameters...

6 Questions to determine your financial fitness

Financial fitness or fiscal fitness like Physical fitness is very important to lead a happy and healthy life. Research tells that mismanaged...

This is why your Retirement Plan may fail

I have mixed emotions towards retirement. Where I feel excitement for the days when I don’t have to work to earn my...

TDS on Life insurance policies w.e.f 1st October 2014

If you have any life insurance policy, then recently you must have received a mail from your insurer regarding the TDS on...

4 ways to enhance health insurance cover

When sachin called me yesterday, it was not difficult to sense from his depressed voice that there’s something wrong. Without me asking...

Dynamic Asset allocation in Mutual funds – Investment for all

Those who are following this blog for a while now and understand the importance of a process in investments, surely appreciate the...

How much does it cost?

Some days back I was reading an article in Livemint with the same title, where Monika halan, editor of mint money has written very...

4 factors to consider before loan prepayment

Rahul is a young IT professional in his early thirties. His wife Sunita works as a professor in a college. On the...

This is where you should focus on

I was quite surprised to know that ishita wanted to visit me to have her investment portfolio reviewed. In the last 4 years of...

How to improve your CIBIL Credit score

Finally Vikas has enough savings to buy the car he’s always wanted to buy. All his family members were very happy. After...

HDFC Click 2 Protect Plus – Online term plan with a Plus

For those who are aware of online term plans, HDFC Click 2 protect is not a new name for them. It is...

Balancing Expectations and Reality

So ? Had Budget 2014 lived up to your expectations? In the past 20 days before budget every newspaper, TV channels was full of...

Apollo Munich Optima Super- a Super top up health insurance

Apollo Munich has launched a new Super top up insurance plan with name Apollo Munich Optima Super. They call it an aggregate...

Money Management for Old Age parents Retirement income

That day Hitesh was actually sounding very emotional, after all, he’s never lived away from his parents since childhood. But now when his employer...

Meet the planners again – FPGI Annual Meet 4 (Round up)

When wonderful gets accompanied by thunder showers it becomes thunderful. And this was what i experienced at Alibagh (Near Mumbai) where I was last...

How Union Budget 2014 will impact your Personal Finances

As a general perception union budget is all about taxes. Tax reforms, tax exemptions, tax rebates etc. Everyone wants to know what’s in it...

HDFC life Click 2 invest – different but no different

HDFC life has come up with one of its kind unit linked insurance plan with name HDFC life Click 2 invests. Why...

Financial Mistakes of my life (and what can you learn from them)

Experience is simply the name we give to our mistakes – Oscar Wilde It seemed to be a good idea at that time. Yeah!! After all...

What roles does a financial planner play for you

Financial planning is a common sense approach, said Samar, a good friend of mine who works as a project manager in an MNC. Whatever...

4 tips to manage personal finances, the corporate way

Sushil works as a Deputy general manager in a Telecom company and earns a decent 7 figure income. He is also a zonal manager...

Top up health insurance plan to boost your coverage

Often people realize the importance of having adequate health insurance cover after getting into medical emergency. Even after knowing how fast medical...

LIC e term online term policy – Review and comparison

Finally, LIC has launched its much-awaited online term plan under the name "LIC e term". We have been expecting this move from...

Titles can mislead, Check out these financial adviser certifications

Yesterday I met a doctor who holds 8 degrees in his name, due to which there were 24 letters along with his name on...

Financial success is not only about money…its about your happiness

"Successful people believe I create my life. Not so successful believe “Life happens to me”. What is financial success?...

Dividend yield funds – who should invest?

Dividend yield funds have once again gained attention among the investors with the launch of NFOs like ICICI Prudential Dividend yield fund....

6 ways to generate regular income out of your savings

The question “How to generate regular income” is no longer a question among retirees; even many youngsters are also looking for ways...

Decoding the salary slip components

Few days back while I was having a treat from Rohan (my friend’s younger brother) for getting a new job with 50%...

How to decide an ideal Asset Allocation mix?

I use the Term Asset Allocation in many of my articles specifically those which are related to Investments. One of my blog readers Parul asked...

How to calculate wealth tax in India?

Wealth tax in India is a part of direct taxes just like income tax. As Income tax is levied on the income...

Indian elections 2014 and your finances – get your basics right

We are few days away from Indian elections 2014 and the formation of new government in our country. Talk to anyone and you will...

De clutter your financial life

I actually believe that both finances and life are interrelated. Happy finances leads to happy life and vice versa. Now happy finances don’t mean...

Religare health insurance Care with Add on features

This post has to be read along with the earlier one about Religare health insurance care review and comparison. Religare health insurance...

Smile…you can save tax on your expenses too

Yes, this is true. You can save tax on your expenses too. Every one of us is a victim of rising inflation...

5 questions I’d like to ask Lok sabha candidates

General Elections 2014 dates have been announced. We’ll have final decision on which party is going to “rule” or I should say “serve” as...

How to write a WILL in India – Step by Step guide

This post on How to write a will in india by yourself is in continuation with my earlier post importance of writing...

Ensure your family’s secure future – Write a WILL

We Punjabis are so obsessed with real estate that whenever someone comes to know that I being a financial planner also offers Estate planning...

7 important tax saving investments questions answered

Tax savings investments season is on. Though I regularly advise through different articles and newspaper columns that tax planning should always be done in...

This Valentine’s day….I fell in love again

Yesterday was Valentine’s Day and I decided to surprise my valentine…my wife. I decided to buy a bouquet for her.  Initially I thought that...

LIC e term and other term plans – comparison and review

LIC has launched new LIC term plans, and one online plan LIC e term as per the new guidelines issued by IRDA....

How Women can Ensure financial fitness in self and family.

Women Holds a big influential position in family’s financial matters by being a home maker and supporting money management from backend or even by...

All about Gratuity calculation,taxation (With latest rules)

Job hopping may lead to increase in your salary pay package, but staying on with your employer for long has its own...

Arbitrage funds – Best bet in volatile markets

Arbitrage funds, a not so familiar name among investors, have many inherent benefits in its structure. The name sounds quite complex, but...

7 financial planning tips for beginners

Priyanka one of my Blog reader mailed me a Presentation by SEBI on “Lessons on financial planning for young investors”. This presentation was shared...

How double indexation benefit helps in reducing tax outgo

I have earlier written one article on Indexation with special mention to Capital gain tax on property transactions. This time I would...

LIC Money back Plans in New avatar – A Review

These days LIC has been launching new products almost every alternate day. The reason of coming up with new products is the...

New rules for Life Insurance Policies from 1st January’2014

These days I am getting many mails from my blog readers asking for my views on newly launched LIC insurance products. Some...

Best Mutual funds to invest in 2014

Searching for Best never ends. You find it difficult to settle for good or average. You want best food, best clothes, best...

10 Must do’s in 2014 for your financial planning

Here comes 2014. All of us want to enter 2014 with a Fresh and Positive attitude. Another year is giving us another opportunity to...

Help improve your country’s economy

Do you agree that our personal economic health depends on country’s economic health? When our country’s economy grows, it leads to increase in Job...

Health insurance discount – Should you opt for this benefit?

Many health insurance companies are offering discount on purchase and renewal of their policies, if insured pays 2 years premium in one...

Tax Planning TIPS for Retired People

Earlier I wrote a series of articles on tax planning tips for different Life Stages. Those articles covered topics on tax planning...

Women and Money management

Understanding Money management is as important for women as it is for men. Still it has been observed that women don’t take...

Why risk profiling is Important in Financial planning?

Risk profiling is an integral part of the financial planning and investment advisory process. Nowadays Risk profiling has also become a regulatory...

Apollo Munich Energy – Health Insurance Plan for Diabetics

Apollo Munich has come up with a new health insurance plan “Apollo Munich Energy”. This plan provides insurance cover to those suffering...

10 reasons why real estate investment is riskier than equity

A few days back one NRI asked me a very specific question through business Bhaskar. He asked that since the Real estate...

Financial Planning Lessons from Art of Living Course – 1

These days I am experiencing Art of living Course part 1. One of my friends enrolled me into the course which is for 5...

Is your Investment adviser Registered with SEBI?

What kind of question is this? Of course my investment advisor is Registered? I mean he must be…if he’s advising me on...

Investors – Dont Miss to watch Plan F program on CNBC TV 18

I would like to share one very interesting investor education initiative called “Plan F- your financial fitness plan”. My very dear friend and blogger...

Axis Small Cap Fund – Just another close ended mutual fund

Axis mutual fund has announced Axis small cap fund with NFO  closure date on 25 Nov’2013.Its raining close ended mutual funds these...

SBI Life Smart Power Insurance Plan – Review

SBI Life Smart power insurance plan is a non participating unit linked insurance plan. Non participating policy is that where policy does...

Should you buy CAR on Cash or loan?

Three years back Rahul (Name Changed) started his career in a Telecom company as Assistant Manager, with a good salary package. Like...

All you wanted to know about HRA exemption (with latest amendments)

HRA is an important component of salary income. It is a fixed, Pre determined allowance (generally a percentage of basic salary) that...

Best tax saving mutual funds 2013

Tax saving season has started off. Many mails are pouring into my Mailbox asking for best tax saving mutual funds to invest in. As...

How Pension Plans in India works?

Pension Plans in India have gone through a sea change in the last 1 year. Earlier these plans used to be sold...

Insurance Repository Services – How to Digitize your insurance policies

Insurance repository services have been launched in India. Union minister P Chidambaram announced this launch on September 16’2013.  As per IRDA these...

3 Investment options to beat Market Volatility

Stock markets are very volatile these days. In fact since 2009 it is moving within Range bound levels. Debt market has also...

Use liquid funds – Don’t leave your cash idle

Liquid funds are the best tool to put your idle cash to use. We never use the term “increase...

Financial Planning FAQs

Even after a decade long presence of structured Financial planning in India, still it is considered to be at its nascent stage. The reason...

ICICI Prudential Global Stable equity fund – Review

ICICI Prudential has come up with new fund ICICI Prudential Global Stable equity fund. As the very name suggest this fund will...

Learnings from a financial planning case study of suddenly single woman

Few days back I did a case study in Indian express of a lady who’s recently lost her husband in a road accident. While...

Are you working towards your financial freedom?

There were many things common between our Freedom fighters. All had the Single vision (Free India), common goal (independence) and had a...

HDFC Life Health Assure Plan – Review

HDFC Life has come out with a new health insurance policy with the name ‘”HDFC Life Health Assure Plan”. This is a...

What is Restore and Recharge in Health Insurance?

These days health insurance policies have come up with feature name like Restore of sum assured or Recharge of sum assured, there...

5 advantages of a written personal financial plan

Personal financial plan? Why? I am already investing in different products myself and managing my portfolio to the best of my ability, and I...

Meet the Planners – FPGI Annual Meet 3 Roundup

Last week I was at Khandala (Mumbai) ; not for holidays but to attend the third Annual meet of “The Financial Planners’ Guild, India”...

Rupee depreciation – Cause and effect on personal finances

These days Business TV channels and newspapers are full of economic terms like Rupee depreciation or Falling rupee, fiscal deficit, Current account deficit, Inflation,...

Hindu Undivided Family – How HUF helps in saving taxes

Hindu Undivided family is a kind of family account having a separate legal tax entity status. If used properly and lawfully, HUF...

Reliance Life Insurance Smart pension Plan – Review

Reliance has launched a new pension plan product with name “Reliance Life insurance Smart pension plan”. This is new and improved product...