The majority of the gifts which we commonly give fulfill our customary needs, such as participating in marriage, housewarming ceremonies, and celebrating the birthdays of family and friends. While these gifts are important, the act of giving here may not provide eternal joy. I often think about giving gifts that can give us long lasting …
Recently, a gentleman reached out to me through WhatsApp and asked me whether Option Master or Marketadora was a part of my Advisory Organization. I could not comprehend his message as it was coming from an unknown contact and asked him to share the context. He shared with me his WhatsApp interaction with another person …
There is a very limited amount of information available in the public domain regarding investment opportunities for Overseas Citizen of India (OCI) residing in India. One of the frequently asked questions is whether OCIs residing in India can invest in Government Savings schemes such as EPF, VPF, NPS, PPF, Post Office Savings Schemes, SCSS, KVP, …
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When it comes to financial planning, a financial advisor typically focuses on arranging money to meet an individual’s financial needs. However, what often gets overlooked is planning for a happy life after retirement. When the conversations with the client start with a discussion about what will make them happy during retirement, the advisor enables the …
Over the years, many people have reached out to me to understand the advantages of Financial Planning but very few have implemented it in true spirit. Since I had limited success, this morning I reached out to ChatGPT to help me encourage the uninitiated. Money, money, always on our mind But if we’re not …
A note of caution: This article has nothing to do with personal finance. You may still find it worth a read. Let me share snippets of a few real life scenarios. A few goons were assaulting one of your relatives because of a property dispute. Since the goons were in large numbers, you did not …
After writing many blogs, I believe it is time to reiterate the basics of Personal Finance Management. There are 3 pillars of Personal Finance Management a) Risk Management b) Goal-based Financial Planning c) Estate Planning Risk Management Emergency Fund Get it ready as soon as you can Keep 6-12 months of expenses aside You can …
We are coming out of a decade when the US Equity market did exceptionally well. The average return of the S&P 500 over the last decade was ~10% against the 10-year breakeven inflation rate of 2.29%. The near-zero interest rate through the decade made sure that the bond stayed an unattractive investment option. There was …
I remember my days as part of an undergraduate program in computer science in the late ’80s / early 90’ at Baroda. In those days, this branch itself was new and I had no visibility into the kind of career I could hope for. There were no jobs through campus. Since my father was working …
Today is the 15th of August and we Indians are celebrating the 76th year of our country’s independence. While that is a significant milestone in our democracy, financial independence for all is still a distant dream. While job and income security for all is a work in progress, for larger masses, the proper deployment of existing …
Financial Freedom for Indians on 76th Independence day Read More »