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 […]

read more

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 […]

read more

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 […]

read more

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 […]

read more

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 […]

read more

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 […]

read more

How Much Should You Save?

This blogpost is going to be short. But sweet. When I first started interacting with my friends about savings and investments, their top most question was how much ideally I should be saving. This is a tough question and the answer might vary depending on your financial situation. Percentage of income that you can save can depend on whether you […]

read more

Why Should You invest In PPF?

While a lot of people I interact with earn well, many haven’t been able to save. Most common question I get is how to save and where to invest. Duh! No worries, I was like you when I first started earning. I first started by taking advice from my parents. Being old school, while very happy to share their advice […]

read more

Bhutan

Last year, I finally took the plunge and visited Bhutan. It had been in my bucket list for several years. While I’ll blog more about the trip, here are a few pics to get you started Blogposts: How to travel to Bhutan to from India?

read more