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73 ArticlesPersonal Finance

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Podcast #19: Investing in NPS? The good, the bad, and the annuity

“You can beat the NPS and it’s associated tax benefits, if you are able to generate just 1% above NPS returns consistently till retirement, but ...

Jan 08, 2020

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How Zero Cost EMIs Work

Happy New Year 2020 folks! We start the year with an explainer on Zero cost EMIs. This is when you are told: Take this product at 0% EMI for six months! And ...

Jan 01, 2020

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Podcast #18: How to Master Your Cash Flows with Credit-Cards and Overdrafts

  “I was getting married and I had saved up some four or five lakhs, and I was like, this is the first time I have money in my bank account. I ...

Dec 24, 2019

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Capitalmind Plan: Creating Your Personalized Financial Plan

Capitalmind Wealth (our Wealth Management Service) uses our own financial planning software to help plan out long term goals and the strategy to get there. ...

Oct 23, 2019

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Your Emergency Fund – Make Hay While the Sun Shines, But When It Doesn’t….

Life looks funny in hindsight. Our younger self in that life looks hilarious, all worried and anxious about how a bad situation would ever be overcome! ...

Jul 18, 2019

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Mutual Funds: Money Market Funds Receive the Most in February! AUM for Equity MFs Fall For a Second Straight Month

Periodically, AMFI releases a wonderful package of data concerning Mutual Funds. This includes AUM data, net inflows and outflows each month, Commissions data ...

Mar 08, 2016

Sensex Five Year Returns Below 5%, Mutual Funds Did Slightly Better, But Barely Beat Inflation. Time For A Change?

What if you had invested in the Sensex, every month, with the same amount, over the last five years? (Called a Systematic Investment Plan or SIP) Answer: Less ...

Jan 06, 2016

Why You Shouldn't Buy ULIPs: After We Confuse You, We Underperform Everything

I don’t generally write about ULIPs but once in a while it’s useful to see how bad these products have been. We wrote a long post about HDFC Crest ...

Jul 07, 2015

NPS Versus Good Old Long Term Equity Investing – Even Without a Tax-Saving Tag, Equity Rocks

It’s tax saving season, so it’s apt to ask: Should you buy into the New Pension Scheme (NPS) for which the government has given you a phenomenal ...

Mar 30, 2015

Long Term Returns for Going "Direct" Can Give You Many Lakhs More

Last week, we wrote about how investing in Direct Plans vs Regular Plans could give an investor up to 0.7% extra returns annually. The differential is because ...

Mar 10, 2015

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