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Debt Retirement

Alternatives to Provident Fund

Subscribing to Provident Fund has been a very easy and popular method to accumulate savings for retirement and long-term financial objectives. The tax benefits on returns from such savings is a big incentive. But this has changed with the budget announcement to tax income from savings over ₹ 2.5 lakh in Provident Funds (₹ 5 […]

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Equity

Avoiding Equity is Not an Option !

The last year has been characterized by significant volatility in the equity market and consistent fall in interest rates. High inflation rates have further compounded the challenge to any investor who wants to ensure both security and growth of investments. However, such safe havens are fast diminishing and the latest blow was the budget announcement […]

Categories
Investment

Absolute, Annualized, Compounded, XIRR and Real Returns

The whole purpose of savings and investments is to earn some returns. Returns are generally what we get back more than our saving or investment after the holding period. To evaluate the soundness of our saving/investment plan, it is important to be able to measure these returns in a form which can be compared with […]

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Debt Equity

Financial Lessons from The COVID Crisis

Some or the other part of the world has always been facing crisis in some form or other. There have been events in the past which have affected the whole world at the same time. COVID Crisis is however unique to have affected almost every human being in some form or the other. Strikingly it […]

Categories
Equity

Markets are High- Should you Book Profits?

As I write this, both NIFTY and SENSEX are close to an all-time high. Whenever the financial market is high, there are only three directions for its subsequent movement. First, it can go higher from present levels.  Second, it might remain at current levels and stabilize.  Or third, it might go to lower levels. Many […]