I came across this post on Reddit recently: The investment exposure of our example investor looks like this: SL Type of Funds Investment Exposure 1 Liquid Funds – SIP 22.65% 2 Liquid Funds – Lump-sum 32.05% 3 Very Large Caps 29.91% 4 Large Caps 11.54% 5 Small Caps 3.85% – – 100.00% It got me…
Retail investors in India can invest in commodities like crude oil, soybeans, and copper through futures, options, ETFs, or stocks of related companies on MCX, NCDEX, or NSE/BSE. Start small with ETFs or stocks for lower risk, and use SEBI-registered brokers ICICI Direct etc. Table of Contents Introduction 1. Why Commodities Matter for Retail Investors…
Table of Contents Introduction 1. The Ideal ULIP Investor – Who Are They? 2. Why a Term Plan Isn’t Enough for ULIP Investors 3. Why Endowment Plans Don’t Appeal to ULIP Investors 4. Why Equity Mutual Funds Fall Short for ULIP Investors 5. Why ULIPs Are a Bad Fit for Term Plan Seekers 6. Why…
Compounding in mutual funds drives wealth through reinvested dividends and company growth via retained earnings. By choosing growth – oriented funds and staying invested, your money multiplies exponentially over time. Start early and let patience unlock substantial returns for your financial goals. Table of Contents Introduction 1. What Is Compounding? 2. How Compound Interest Differs…
Imagine you’ve clawed your way out of financial hardship. You’ve built a small safety net. Then, your parents face eviction from their rental house. The situation asks you to wipe out your emergency fund to help your parents. What do you do? This is the real-life struggle of a 24-year-old person, who had a tough…
Introduction I got an email from one of my readers. He wrote in with a common dilemma. He has the Axis Horizon card for 15 years now. It started as Citi PremierMiles. His limit is Rs.16 lakhs, which covers his usual Rs. 40,000 monthly credit card spends. Sometimes it spikes to Rs. 2 lakhs for…
Table of Contents Introduction 1. Why Scholarships Matter 2. Types of Scholarships Available 3. Government Scholarships in India 4. Private and Corporate Scholarships 5. How Scholarships Help Manage Costs 6. Finding Scholarships 7. Application Process and Tips Conclusion Introduction College education in India is getting pricier every year, with soaring tuition and hostel fees. Scholarships…
Introduction I came across an article in Business Today (BT) about the FIFO tax trap. It’s a good read. It explains how the First In, First Out (FIFO) rule in Demat accounts can affect your taxes. But it got me thinking. As someone who’s been investing in stocks for years, I see this differently. The…
Car Loan Profit Calculator Car Loan Profit Calculator Car Price / FD & Loan Amount (₹): Loan/FD Duration (Years): FD Interest Rate (% Annually): Car Loan Interest Rate (% Annually): Calculate Profit & EMI Reset Description Amount Total Interest Earned on FD Total Interest Paid on Loan Net Profit/Loss Estimated Monthly EMI Note: This calculator…
Senior Citizens Savings Scheme (SCSS) Calculator GMR SCSS Calculator Investment Amount (₹, max 30 lakh) Interest Rate (% p.a.) Tenure 5 Years5 + 3 Years Extension Compare with FD Rate (% p.a.) Calculate Returns Please enter a valid investment amount (₹1,000 to ₹30,00,000). Download Summary as PDF Table of Contents Introduction 1. What Is Senior…
Introduction One piece of news that I read on Economic Times about S&P Global upgrading the credit ratings of several major Indian financial institutions. The story reports how S&P has enhanced up the ratings for 10 banks and lenders. Their list include heavyweights like SBI, HDFC Bank, ICICI Bank, and others. This follows a broader…
Introduction Let’s talk about a different aspect of money. For a majority of us, managing finances is complicated, right? That why I think, staying with one trusted advisor can turn your financial chaos into a solid plan. That’s the story of Vishal Sharma, a 51-year-old IT professional from New Delhi. His journey with his financial…
