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Unraveling the Adequacy of a 30x Retirement Corpus for a Secure Future

How much of a corpus is required to meet your expenses post-retirement? This is a common question that arises when considering retirement planning, especially for high-net-worth individuals and Non-resident Indians. One prevailing notion is that saving 30 times your annual expenses is sufficient for a comfortable retirement in India. However, let's take a closer [...]

By |2023-07-10T09:40:35+05:30July 10th, 2023|All, Financial Planning|Comments Off on Unraveling the Adequacy of a 30x Retirement Corpus for a Secure Future

The High Cost of Ignoring Retirement: Why People’s Financial Health Suffers Without Proper Planning

Neglecting retirement planning can have severe consequences for your financial well-being. It is all too common for people to undervalue the significance of planning for retirement, either by assuming they have enough time or by placing a higher priority on their immediate financial needs. However, by ignoring retirement planning, you risk facing a host of [...]

By |2023-07-04T06:23:16+05:30July 4th, 2023|All, Financial Planning|Comments Off on The High Cost of Ignoring Retirement: Why People’s Financial Health Suffers Without Proper Planning

What You Should Know and Consider While Redeeming a Mutual Fund

Mutual funds have become increasingly popular investment vehicles, offering the potential for growth and diversification. As an investor, you may have experienced the satisfaction of seeing your investments grow over time. However, there may come a time when you need to redeem your mutual fund holdings. It is crucial to thoroughly understand the factors [...]

By |2023-06-26T05:34:13+05:30June 26th, 2023|All, Mutual Funds|Comments Off on What You Should Know and Consider While Redeeming a Mutual Fund

Unlocking Financial Success-Exploring the Psychology of Money

We are pleased to introduce "The Psychology of Money" by Morgan Housel, a remarkable book that delves into the intricate interplay between money and human behaviour. Housel, a highly regarded financial writer with extensive experience, explores the psychological aspects of money management, unveiling profound insights that challenge conventional wisdom. Through engaging storytelling and thought-provoking anecdotes, [...]

By |2023-06-07T06:18:51+05:30June 7th, 2023|All, Behaviour Finance|Comments Off on Unlocking Financial Success-Exploring the Psychology of Money

Understanding Cashflow Committed vs. Net Worth Committed Mindsets

When it comes to personal finance, two distinct mindsets shape how we make financial decisions: the ‘CashFlow Committed’ mindset and the ‘NetWorth Committed’ mindset. These mindsets play a vital role in determining our financial freedom and how we navigate challenges. Today, we'll delve into these concepts and explore how a halt in future cash [...]

By |2023-05-30T10:49:01+05:30May 30th, 2023|All, Personal Finance|Comments Off on Understanding Cashflow Committed vs. Net Worth Committed Mindsets

Decode Rupee Cost Averaging (RCA) and Value Averaging: Strategies for Long-Term Investing

Investing in the financial market can be daunting, with its inherent volatility and uncertainty. Many investors are unsure how to navigate the market's ups and downs and make sound investment decisions. The temptation to time the market, that is, to buy or sell investments based on short-term market fluctuations, can be powerful. However, timing [...]

By |2023-04-26T09:09:45+05:30April 26th, 2023|All, Mutual Funds|Comments Off on Decode Rupee Cost Averaging (RCA) and Value Averaging: Strategies for Long-Term Investing

Smart Investing: The Impact of Mutual Fund Fees on Your Investments

When investing in an Indian mutual fund, you combine your funds with other investors to purchase a diverse portfolio of securities that a mutual fund company manages. As with any service-based business, mutual fund companies charge fees for managing the portfolio, including fund management fees, registrar fees, agent commissions, and marketing expenses. These charges [...]

By |2023-04-18T06:21:46+05:30April 18th, 2023|All, Mutual Funds|Comments Off on Smart Investing: The Impact of Mutual Fund Fees on Your Investments

Debt Mutual Funds in 2023: Tax Changes and Impact on Investors

The Union Budget 2023 brought some significant changes to the taxation of investments in Debt Mutual Funds (DMFs) in India. Earlier for Debt MFs held for over 3 years, investors were liable to be taxed at 20% with indexation benefits. Starting from 1-Apr-2023, incremental investments made in Debt Mutual Funds with less than 35% [...]

By |2023-04-06T11:46:42+05:30April 5th, 2023|All, Mutual Funds|Comments Off on Debt Mutual Funds in 2023: Tax Changes and Impact on Investors

Retirement Planning: Starting Early is Key for Urban Indians

Have you secured your financial future for retirement? If not, you are probably not alone. A recent India Retirement Index Study revealed that retirement planning is a primary concern for urban Indians, with a staggering 9 in 10 worrying about their savings not lasting through retirement. To make matters worse, only 2 out of [...]

By |2023-03-28T09:15:52+05:30March 28th, 2023|All, Financial Planning|Comments Off on Retirement Planning: Starting Early is Key for Urban Indians

How to Choose the Right Mutual Funds: Important Considerations

Investing in mutual funds has become increasingly popular among High Net Worth Individuals (HNIs) and seasoned investors in India. However, with a plethora of mutual fund schemes available, it can be daunting to select the right one. It is essential to understand that choosing the category and the scheme of a mutual fund are [...]

By |2023-03-30T07:14:42+05:30March 21st, 2023|All, Mutual Funds|Comments Off on How to Choose the Right Mutual Funds: Important Considerations
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