Journal

Loans are bad

Not All Loans Are Bad

by Lalit Keshre • June 17, 2016

Loan is not just a four letter word. Sometimes it is necessary, and sometimes it is good. So how do you figure out if loan is good or bad? How much of it is good? And when you should repay it back? Like any other answer, it depends on lot on your personal situation. You need to […]


Save Money

How much do you need to save?

by Ishan Bansal • June 11, 2016

  This is one of the most frequent questions asked by people around – how much should you actually save. And like any other answer, the right answer is: It depends! On what? What is your annual income? This will give some idea on how much lifestyle expenses you can have and for what kind […]


Travel to France

How Much Does It Cost To Travel Around The World?

by Ashok Bhat • June 10, 2016

Ever wondered how much it would cost if you want to travel around the world? Here we list down top 30 countries and approximate cost to travel (in no specific order). Roundtrip amount is approximate for economy class air travel. While daily expense include accommodation, food and local transport and sightseeing. 1. Italy Italy, one […]


saving vs investing

Saving vs Investing

by Lalit Keshre • June 10, 2016

Savings and Investment is sometimes used interchangeably. Both mean different to different people. “Savings” term is normally used when people talk about allocating some money out of their income for future consumption. Principal amount is important. While “Investment” term is used when people deploy money in financial products to achieve better returns. Returns, and not […]


saving for vacation

Have You Started Your Vacation Account Yet?

by Lalit Keshre • May 21, 2016

In one of our surveys, 80% people responded that they need to keep money aside for important lifestyle aspirations in their life. So why do people need to keep money aside from their regular saving accounts? I can think of following reasons Discipline of saving for a goal : Bank savings account is actually not […]


Robot Investor

6 Reasons Why Machines Are Better Than Us For Investing?

by Lalit Keshre • May 10, 2016

  There are two types of people when it comes to investing. The Warren Buffet types, they make lot of money by exploiting market irrationalities and by discovering great companies. They have a knack for it. Then there are Rest of us – we have our day jobs but like to invest our money to grow it faster. There […]


gold ETF

Gold is money

by Ashok Bhat • April 2, 2016

“Paper money eventually returns to its intrinsic value – ZERO” – Voltaire in the 18th century When we think of money, we think of paper currency – Rupee, Dollar, Pound and so on. What about gold? Is it just a shiny metal using which we can make pretty ornaments? Or Can it also be money? […]


Savings Account

Why Savings Account is not actually Savings Account?

by Ashok Bhat • March 27, 2016

If you think ‘Savings account’ is where you keep your savings, think again. In this blog, you will learn that savings account is actually a transaction account with direct fees and indirect costs. Learn about the good, the bad and the ugly of the savings account. Good for convenience Use a savings account to meet […]


Thinking

3 Ways To Become Rich

by Sangam Sharma • March 25, 2016
3 Ways To Become Rich

Rent v/d busing a house

Buying a House is an Emotional Decision not Financial

by Ishan Bansal • March 22, 2016

In country like India, we can’t depend on country to provide for basic necessities. Hence, everyone wants security in their life especially with respect to Food, Clothes and House (Roti, Kapta and Makaan). Securing food and clothes are easy to achieve regular income streams and securing them will require limited investment (10s of lakhs invested […]


Puzzle

Solve jigsaw puzzles to meet your financial goals

by Ashok Bhat • March 15, 2016

How can jigsaw puzzles help you meet your financial goals? As you may have guessed, there is no direct link. But you can learn a lot about meeting your financial goals from solving a jigsaw puzzle. If you don’t know what you are aiming for, you will find it very hard Solving a puzzle without […]


Compound Interest 8th wonder - Albert Einstein

Why Should You Start Investing Now?

by Sangam Sharma • February 13, 2016

Let us do a simple math: If you start saving Rs 5000 per month when when you are 30, earning nominal 8% per year. After 20 years, when you are 50 years old, this is what you will end up with around Rs 30 Lac. But if you start doing the same at age of […]


What is a Mutual Fund and how does it work

7 Mistakes Mutual Fund Investors Make and How to Avoid Them

by Ashok Bhat • February 7, 2016

Learn about the common mistakes mutual fund investors make and how to avoid them. 1. Mistaking fund’s NAV for its price Do not fall into the trap of confusing fund’s Net Asset Value (NAV) with its price. Many investors buy a fund with lower NAV thinking that they are getting a good deal. This is wrong. […]


investment philosophy

What Is Your Investment Philosophy?

by Sangam Sharma • January 24, 2016

[This is not an investment advice, just one approach to investing – your investment philosophy shall be based on your risk profile and financial goals] I think everybody should have investment philosophy. Your investment philosophy drives your decisions at different levels. Here is an example of investment philosophy in equities. Objective To compound money at much […]