Category: Investments

Why Consistency In Savings Matter More?

We have been discussing about where to invest and how you can go about with your salary allocation for savings. I want to talk about consistency in investing today. It’s extremely important and it’s boring. When I first started investing for my retirement back when I was 24, I hated seeing a so much of my salary which I could […]

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Savings Update – June 2018

Since I started my quest to educate friends on how they can save and invest, a surprising byproduct has been my aggressive and rigorous tracking of expenses and savings. While I worked at my previous firm we would keep on saying that track and measure impact. It had been ingrained that I can measure impact and work to improve things […]

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Where To Park Your Emergency Fund?

For the past few days, I’ve taken a break and have been “consulting” with a few of my friends and family over budgeting. I could do this for a living 😛 The first consulting session I took were basic ones some of which I have already covered in my previous blog posts. If you’re new here, you should refer to […]

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You Got A Hike, Now What?

I have been meaning to write this post since April but procrastination is my thing apparently. It’s time of the year when most of you have received hikes and in some cases promotions. It’s a great time to revisit how you save/invest. Once you receive a hike, many would be tempted to increase their standard of living. Got a hike […]

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Why NPS is a bad investment

Many look at NPS as tax saving instrument as NPS is eligible for deduction in taxable income upto the limit of 1.5L under section 80C. One can also avail deduction up to INR 50,000 beyond the 1.5L limit under section 80CCD. This makes NPS look like an attractive investment. But is it? NPS essentially is a retirement solution regulated by PFRDA […]

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Where All Should You Invest?

Once you’ve decided that you want to start investing, the next natural question is where all should I invest? Depending on your risk capability there are various instruments where you can put your money. For simplicity, assuming you’re a novice investor, I’ll list a few instruments you should consider. Emergency Funds (EF) Before you get into building wealth, first and […]

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FI or FIRE?

Earlier, I was in the group for FIRE which is Financially Independent, Retire Early. I genuinely thought I wanted to FIRE and would spend at least 15 mins a day going through various FIRE communities. The most prolific ones you’ll find on reddit. I’ve been following these forums for a long time now and noticed that most people who are […]

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EPF vs NPS in 2018

A few days ago, government finally notified 8.55% interest rate on EPF for the year 2017-18. This makes it the lowest in 5 years. Now this is a bad news for salaried employees as EPF contribution is mandatory for most salaried employees. And yet again I see chatter comparing EPS and NPS among my circle. Smart investors don’t like EPF […]

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