Financial Planning

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

Retirement Planning for Couples – TIPS

by Madhupam Krishna

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Marriage is the beginning of a new phase of life and as time passes, married couples evolve a shared sense of responsibility in all spheres, including personal finance. Spending your golden years together in relative comfort and security is the goal of most married couples. Here are some tips on Retirement Planning for Couples. MostRead More

Things to Set in Order – Checklist for NRIs

by Madhupam Krishna

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Going abroad to work or earn is a huge thing. It doubles when you are in peace that, the things behind you are in order. Peace of knowing that you are on the right side of the rule book & also that there is no monetary loss or liability creation afterward. Here is the basicRead More