In the last blog, we looked at how to use “deductible” effectively to reduce the insurance premium. Here we are going to look at the difference between Topup and Super topup. The purpose of these health plans is the same. Avail higher coverage while keeping the premium costs lower. First, how do these health plans…
This blog is to explain at a very high level, how a financial plan is created. The steps involved and the analysis required at a high level in creating a financial plan. There is a lot of risk involved in the DIY Financial Plan, I believe the benefits to a larger crowd outweighs the risk…
Our group which normally discusses about Investments and financial planning, had an interesting question last week. Are there any tips while taking a home loan? This WhatsApp discussion in our group generated lots of ideas. Overall the different points we discussed could be classified into four categories. 1) Insurance 2) Negotiation 3) Resetting of interest…
This is a question I asked a few folks when I started investing. And this is also a question which to this day, continues to be asked. How many mutual funds should I invest in? I consider the below factors to arrive at a number. As you would have guessed, this is a pretty subjective…
How I am closing a home loan, with a simple trick? At the beginning of 2018, I had close to 36L home loan left on my flat. By 3rd quarter of 2023, I am closing the home loan entirely with some simple tricks. I just wish, I knew this “power of decelerating” much earlier. Thanks…
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…
