Financial Planning

This year, the best and worst trend was … Sonam Gupta. When we were all gloomy finding cash rich ATMs and under the weight of empty wallets, the soothing breeze that came was Sonam Gupta. Yes, NaMo threw as in uncertainty but Sonam Gupta was certain. So before 2016 ends I wanted to find theRead More

What Financial Planning is NOT

by Madhupam Krishna

financial planning, financial planning don'ts, financial planning myths, financial planning nots, financial planning over expectation

Financial planning is at arise and it is the best way to approach your investments for any time horizon. Not a hairline doubt about that. People are really coming ahead to become investors. They have realized that the best way to plan is to get a long-term plan. But as it happens everywhere when weRead More

EPF Rate Cut – Is It Still Attractive

by Madhupam Krishna

employee provident fund, EPFO, EPFO rates slashed, retirement

The rates are falling everywhere (except the US) and so EPFO also finalized the interest rate to 8.65% pa for 2016-17. This is a fall of 15 bps (1%=100 basis points) as earlier it was an 8.8%. The EPFO (Employees Provident Funds Organisation), has roughly 17 crore accounts and every year they take a view on the prevailing rates and announce for any new cut or increase.Read More

Why Do Women Stay Away from Money & Wealth Management

by Madhupam Krishna

decisions, Female Financial Planning, investments, savings, services, Single woman financial planning, wealth management, women, women and financial planning

Why Do Women Stay Away from Money & Wealth Management? Women have never liked finance and this thinking got inside me when we passed our 10th standard and were divided as per the subjects were chosen. Very few girls wanted to go with commerce. Many got around science and even humanities had takers but nobodyRead More

Save Some Extra Money by Going Digital

by Madhupam Krishna

ATM's, cashless, digital payments, digitalisation, government, payments, railway network, savings

On 8th Dec 2016, Government through our Finance Minister announced 11 new measures to promote digitalisation of payments. Some of these incentives not only provide some extra cash, but some measures cover a part of your risk (insurance). Why not embrace some extra gains!!! But for this, you need to learn a bit of technology andRead More

Demonetization Impact PART 3: Impact on Your Investments

by Madhupam Krishna

debt, demonetization, demonetization impact, economy, equity, investments, rbi, savings, stocks

More than a month has passed since the demonetization decision and people have solved or planned to resolve the cash in hand problem. But what about investments? If you have already made investments in share or mutual funds or property, what do you see the returns will be after all this settles down? All avenues will have a different effect and the intensity will also differ. That is why diversification is a must for a healthy portfolio.Read More