traditional plan

Why traditional plan don’t make sense

I am an advisor following the old school of thought. Firstly don’t mix Investment with Insurance. They are distinctly different and serve different purpose. Secondly once segregated focus on value investing & slowly but steadily building up your corpus with a judicious mix of equity & debt. Now let us understand the different investment avenues. …

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Retirement planning – Invest early, invest wisely

In my previous article I had discussed how to use our retirement corpus. Now we also need to understand, as young professionals how to build up the retirement fund. The 2 basic rules to follow would be: 1. The earlier you start the better as you have more time to save money. 2. Have the …

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How much should one invest for a comfortable retirement today?

You may think that Rs.50 lakh or Rs.1 crore is enough to retire on today, but the question is with the continuous price rise, will it be enough for 25 or 30 years? If your retirement is still 20-25 years away you need to plan all the more carefully as even 50 lakhs may be …

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Common mistakes investors make in equity investment

The advent of online trading platforms has eased investing in shares for everyone. This ease is encouraging many investors to take a DIY (Do-It-Yourself) approach rather than depending on financial advisors/brokers/dealers for advice. However, the lack of understanding about capital markets leads many to take wrong investment decisions. Here are some of the common mistakes …

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ELSS : Save tax with mutual fund investments…

As we are nearing the end of the Financial Year there has been a spurt in activity with regard to tax saving investments. Investments are potentially your second income & security for a better future & thus should be planned carefully so that poor investment choices are not made. But all said it is human …

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Universal Basic Income- Cut out the subsidy

A basic income (also called unconditional basic income, Citizen’s Income, basic income guarantee, universal basic income or universal demogrant) is a form of social security in which all citizens or residents of a country regularly receive an unconditional sum of money, either from a government or some other public institution, in addition to any income …

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UNION BUDGET 2017-18 – Reviving Demonetized India

The Union Budget 2017-18 presented by Arun Jaitley on 1st February can be termed as a good effort under the prevailing circumstances. This was a challenging situation with very high expectation post demonetization. We feel the finance minister has done a good balancing act by not tinkering too much with tax rates (partly leaving changes …

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micro finance institutions

Re-energizing De-monetized micro finance institutions

Demonetization of Rs.500 & Rs.1000 notes which was announced by the Prime Minister of India on 8th November 2016 has had a negative impact on micro finance institutions (MFI). Microfinance largely works in the grassroot level and majorly deals with cash transactions. So due to cash crunch as a result of demonetization the MFI sector …

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