Fixed Income

How Balance Transfer of Loan Reduce Debt?

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One does not want to keep debt for a long time, everyone wants to reduce their debt and get rid out of debt, however managing debt can be challenging. If we implement the right strategy, we can manage our debt or reduce debt. One such the strategy is Balance Transfer of Loan. This article exploresRead More

Traditional & Non-Traditional Ways to Borrow Money

by Madhupam Krishna

Non-Traditional Ways to Borrow Money, P2P, P2P lending, Peer to Peer Lending, Reverse mortgage loan, RML, Traditional Ways to Borrow Money, Ways to Borrow Money

As one of the greatest investors of all times ‘Warren Buffett’ once said “I’ve seen more people fail because of liquor and leverage – leverage being borrowed money. You really don’t need leverage in this world much. If you’re smart, you’re going to make a lot of money without borrowing.” This is true but emergenciesRead More

Loanable Investments

by Madhupam Krishna

Can an investment be a loan, Can I get loan on stocks, How is loanable funds determined, Investment loan example, Loanable Investments, what are loanable investments, What are the main sources of loanable funds, Which investments are loanable

In case you needed money for some emergency you only knew the traditional ways of taking loans like Personal loans or finance on your house or property, financing on the vehicle, taking loans from relatives or friends, etc. But many of your investments can be used to avail funds. These are called loanable investments. Let’sRead More

Taxation on NRI Fixed Deposits

by Madhupam Krishna

NRI bank accounts, Taxation for NRO Account, Taxation of FCNR Account, Taxation of NRE Account, Taxation of NRI Term Deposits, Taxation of RFC Account, Taxation on NRI bank accounts, Taxation on NRI Fixed Deposits

If someone says “do not invest in Debt or Fixed Deposit” – he is not your advisor. But investments in Fixed Deposits or Term Deposits by NRIs are very common due to the liquidity of funds & their taxability. But Taxation of NRI Term Deposits needs to be understood to get the maximum value ofRead More

RBI Retail Direct Scheme – Complete Details

by Madhupam Krishna

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Recently PM Modi in presence of Ms Nirmla Sitharaman (Minister of Finance GOI) & Sh Shaktikanta Das (Governor RBI), announced the way how retail investors can Buy or Sell in Government Securities through a new system called RBI Retail Direct Scheme or RBI RDS or simply RDS. Let’s know what is this system and howRead More

Withdrawal Strategies During Retirement Phase

by Madhupam Krishna

Bucket Strategy, Flooring Income Strategy, How to plan annuity, Systematic Withdrawal Strategy, Time Segmentation Strategy, Withdrawal Strategy During Retirement Phase

We all know – Retirement is the Withdrawal Phase. If you are not on pension, you can plan your annuity from your investments. This can be done using the below methods as Withdrawal Strategies During Retirement Phase. This ensures needs regular income & planning future goals. One has to check the expenses now, expenses likelyRead More