Financial Planning

What is ESG Investing?

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ESG stands for Environment, Social and Governance. These are the 3 main areas representing the pillars of sustainable investment. Many MF companies are either launching a new fund under this category and many are changing old funds to this new style. Let us see ESG Investing meaning & funds in India investing as per ESGRead More

Understanding Cancer Insurance Policy

by Madhupam Krishna

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Cancer is common & wide-spreading. Being paranoid or denying is not an answer. One has to be ready for it. Just look around you – family, friends & office. You can feel the proximity. Option – Be Ready – Mentally & Financially. And, financially you can depend on a Cancer Insurance Policy. Worldwide 18.1 croreRead More

PPF 2019 (7 New Changes & New PPF Forms)

by Madhupam Krishna

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Government just changed & tweaked, the norms for PPF or Public Provident Fund. These changes were made on 12 Dec 2019. Here is what changed in the New PPF 2019 guidelines. Also, download the new PPF forms. New PPF forms (1-5) are available at the last of this post. These guidelines will be called asRead More

Senior Citizen Savings Scheme – Updated 2023

by Madhupam Krishna

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The Senior Citizen Savings Scheme (SCSS) 2019 will replace the SCSS 2014 is a very good option for retired persons. This scheme got major updates & changes on 7 Nov, 2023 (mentioned below). The SCSS offers an attractive rate of return and interest is paid quarterly. This makes it a perfect product for senior citizensRead More

5 Secrets – How to Become Wealthy? Goal 2020

by Madhupam Krishna

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How to become wealthy is a question that has a simple answer, if you decide to become one. I was reading a newsletter by Brian Tracy and he has done extensive research on this. What is it that stops people from becoming wealthy? He gave 5 reasons & I find them very apt for usRead More

What is NCD? How to Select an NCD?

by Madhupam Krishna

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With fixed Deposit rates going south, NCDs are instruments who carry higher rates than Bank FDs & even corporate FDs. So, what is NC or non-convertible debentures? Is NCD a good investment? Is there risk in investing in NCD? Can this risk be minimized? How should you select an NCD to invest? Here are theRead More