Inflation Indexed Bonds: GOOD option for conservative investors
Today I am posting a review of Inflation Indexed Bonds, notified by RBI and whose last date for subscription has been extended to March 31, 2014. Inflation is the biggest culprit when it comes to...
View ArticleRecent Tanishq ad and what it made me reflect on financial planning
Recently I got to see an ad of Tanishq on TV, it was about two guys chatting after work hours – one guy was about to gift the first diamond to his wife and was confused on the return of investment...
View ArticleIf you think yourself as a sincere & hardworking employee, just read this…
So, you are a hard working employee – you come early in office, sit down and bury yourself in work all day, even forget your lunch and your meals, come home late and find your kids asleep, and it’s the...
View ArticleIncreased Section 80C limit of Rs. 1.5 lacs: A benefit or a “headache”?
Ramesh was confused. The recent Union Budget 2014 increased the Section 80C investment limit to Rs. 1.5 lacs instead of prevailing limit of Rs. 1 lac. Now, this guy was already hard pressed to fulfil...
View ArticleWho influences your financial decisions the most?
Have you thought about it?….Most probably, no. There are 2 things – being proactive vs being reactive. As for financial health, I see that families are re-active rather than proactive. Reason for that...
View ArticleChoosing a financial planner: Why it is much easier now than before
Disclosure: I am a Registered Investment Advisor (RIA) with SEBI and I am also on Freefincal’s list of pure fee-only planners in India. A couple of years back, I had written a post on how to find the...
View ArticleShould I put my child in an expensive IB school?
Today, there is literally a craze amongst parents to send their kids to those expensive and high end IB schools, and this is the trend even among middle class families. So, you have a family that might...
View ArticleThe uncomfortable question on starting a family that nobody wants to answer
For young clients, especially ones newly married, there is an important short term goal and that is, when is the couple starting a family. That’s a very personal question but the financial planner has...
View ArticleFinancial Planning considerations for Returning NRI families
Note: This article has been published in April 2016 issue of the Financial Planning Journal. Today, India is pretty much everywhere across the globe. If you follow cricket, then a live testimony of...
View ArticleNRIs: First create emergency fund, then do long term investments
An emergency first is the first layer of defence in anyone’s financial portfolio against sudden financial requirements like medical emergencies, job loss, sudden payments etc. Though I had some years...
View Article
