One of the earliest money lessons I absorbed came from watching my father’s struggles with debt. He ran a small business that faced repeated setbacks, and the stress of repaying loans shaped my ...

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Last Updated on June 24, 2025 at 3:00 pm Ever since the announcement of the Unified Pension Scheme (UPS), I had assumed that it would also apply to the Union Government’s Central Autonomous Bodies ...

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5. Take your parents out on holiday, buy them stuff etc. Once your parents become old or sick, it would be quite difficult to do any of the above. So make hay when the sun shines! Ps. Another regret I ...

The inflation each year is assumed to be 10%. We shall also assume that the reader can increase his investments for this goal by 10% each year. We assume the current cost is Rs. 5 lakhs. This will ...

A reader asks, “Can I use a simple equity + debt portfolio instead of multiple retirement buckets? Won’t this be easier to manage?” When I was younger, I would have agreed with the reader. Age and ...

It should hold lower and lower quantities of (Indian) mid cap and small cap stocks. Its portfolio turnover ratio could go down. Let us find out if this is true. Before we do this, there is yet another ...

This requires some experience, and I will not recommend it to newbie debt fund investors. Even older investors should tread with caution, look at the credit quality of the bonds, and ensure the ...

Screenshot of the Freefincal National Pension Scheme Fund Screener part 2 Reward measure: Rolling returns outperformance consistency. Rolling returns are a simple estimate of how consistently a fund ...

As tax rules change, AMCS develop innovative ideas to attract customers. The latest move is creating a new type of fund of funds (FOF), an MF that invests in other MFs (from the same or different AMCs ...

Stock portfolio weights and returns as of June 9th, 2025 Please note: (1) Although investments started in 2014, most of the money invested is from July 2020. (2) Due to other priorities, I did not ...