Have you heard of RBI Retail direct? (https://rbiretaildirect.org.in/#/) This is a way to invest in Govt primary issuances (and re-issuances) of government securities. Some key aspects of RBI Retail Direct – Retail investors can Invest directly in govt securities Access to primary market issuance Ability to trade in the secondary market Invest directly using RBI’s…
Investing in turbulent markets is really tough. We are in testing times now, with inflation peaking and Central banks rushing to increase the rates to ease the inflation. The stock markets are moving sideways, and all investment avenues don’t look so attractive as it did 6 months back. One of the biggest problems I personally…
Firstly, I am a big fan of goal based investing and not just creating a simple portfolio overall. But this trouble free portfolio can be used to beat inflation and achieve your financial goals. If your attitude towards investing is, I don’t want to keep tracking on a monthly basis and make changes, but have a…
So now we know from this blog, that we take life insurance to protect our human capital (if you don’t know what this is, read up here). Firstly, one of our major financial capital is the house we build. How do you protect that? What protection does a physical construction like a house need? Well,…
A Goals and retirement calculator using excel which helps you to plan your goals and retirement. Meanwhile, this calculator is being enhanced right now. NOTE – Remember this calculator excludes health insurance and medical costs. Remember these two things, Good corpus separately for medical emergencies Good cover of medical insurance Firstly, the entire basic goals…
The industry advertises so much about Systematic Investment Plan, there is almost no one who advises people on what happens when you want to withdraw your investment for a goal. This is where Systematic Withdrawal Plan is very important. Just like investing fully in a bulk is a bit risky, withdrawing in bulk also is…
There are a good number of tax saving tips and tricks. While tax saving is good, its a means to the end. The end here refers to our life goals. Before you look at the tax saving tips and tricks, please read up this blog about tax saving. We should match your life goals with…
Basic personal thumb rule Pick the funds based on the goals for which I am investing and take risks appropriately. The below thumb rules help you create an active mutual fund portfolio. < 5 years – Avoid if you can. (5-10% maximum in Large cap, if the goal is not top priority) 5-7 Years …
Now you sold your old flat and you are then told that there is a LTCG Tax (Long term capital gain tax) which you have to pay, which is 10% of the gains you made. This is heart breaking, isn’t it? Well, there is a nice legal way to work around this instead of paying…
Many a times when I have money to invest, I end up worrying if the markets are too high | interest rates too low to invest. This leads to the usual “Analysis paralysis” state where I do nothing but sit with the money in the bank account. Two ways to go about this, one is…
