ashoonya

Over the weekend while I was working on a Buy Now vs Rent vs Buy Later analysis for a client it struck me again how the human mind works when it comes to gratification. Most things in life that are of any real significance take time. That is, they are achieved with what we call delayed gratification. Think about it. Having a baby. Building a business. Working on healthy relationships. Cultivating skills. Improving mental & physical fitness. Creating wealth. And while ruminati

As I write this there are 2 retirement products in India. EPF  NPS While EPF is mandatory for salaried folks, NPS is optional & open to all. But here are the deal- breakers for me. EPF isn’t all-inclusive (if you're not salaried you're not eligible & only businesses above a certain size are mandated to register for the EPF) & invests only in fixed-income investments. For the tenure that these investments are held that’s a no-brainer. Moreover access to EPF accounts is archaic

SEBI RIA is the acronym for Securities & Exchange Board of India Registered Investment Advisor. This is the gold-standard for financial advisors globally. Essentially, without this certification+registration no individual or business is allowed to offer personal financial advice. It has been in force in the west for decades having made its way into the Indian financial landscape just a few years back. We completed our SEBI RIA certification+registration in Aug 2023. Our SEBI

The Union budget this time has come with a lot of offerings and attractions for various sections, especially the middleclass tax payers....

In India we’ve traditionally bought gold either as jewellery or as bullion (coins/bars). With that came the obvious challenges of purity,...

Our current Finance Minister Ms Nirmala Sitharaman introduced choice in tax regimes for us. She brought in a new variant called the New...

As mandated by the Government of India, 2 types of Covid-specific Health Insurance have been launched & every Insurance company offering...

If you work for a medium or large sized firm, chances are that you have some Health Insurance provided by your employer. The best part...

Covid specific Insurance is Health Insurance that can be used if you test Covid positive, only for that one cause. It falls in the...

Is Critical Illness Insurance needed? What does it cover? I already have Health Insurance, do I still need it? Is it just another gimmick...