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MICRO Blog
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4 questions which investors rarely ask before investing
If you observe these instances, the underlying motivation to invest is primarily because of FOMO (fear of missing out) or saving taxes or chasing returns through the influence of social media. Investors however fail to pause and rarely think about questions which actually matter. Considering the behavioral tendencies, check out the infographic above on the […]
Jun 231 min read
Tax planning is incidental to financial planning
In nearly a decade’s experience in the financial advisory profession, I can confidently tell one thing. The financial mistakes people make in investing in unsuitable products, in a bid to save taxes, costs them more over the long run than actual tax saved annually. While a tax payer should take benefit of the IT exemptions, […]
Jul 10, 20221 min read
Is financial freedom retirement from work?
With the 2nd wave turning out to be more deadly and load on hospitals, many of them are not entertaining cashless claims. People despite having health covers have to go through the reimbursement route. Many are also not getting 100 per cent claim amount and have to cough out at least 20-30 per cent of […]
Jul 10, 20221 min read
Think about risk first!
The usual investor tendency when taking a decision to invest in any financial product is the single-minded focus on returns. Whenever you invest in any financial product, think about the risk first. How much can you afford to lose? Think about your downside. Then think about returns.
Jul 10, 20221 min read
Key things to know about Sovereign Gold Bond Scheme
For those interested to invest in SGB scheme, understand the product and whether it is suitable for you.
Jul 10, 20221 min read
Things to bear in mind about emergency fund
With the 2nd wave turning out to be more deadly and load on hospitals, many of them are not entertaining cashless claims. People despite having health covers have to go through the reimbursement route. Many are also not getting 100 per cent claim amount and have to cough out at least 20-30 per cent of […]
Jul 10, 20221 min read
Lumpsum vs SIP? Which is better?
Consider this. Had you invested a lumpsum Rs.60,000 in Nifty 50 during the market downfall in March 2020, you would have earned a whooping 72% in exactly one year. And had you done a SIP of Rs.5,000 over 12 months, you would have earned 60%. But what if the markets had continued to tank further. […]
Jul 10, 20221 min read
Google vs Financial Adviser
A picture says it all! This is created and shared by a US based financial advisor. Google can give you all the personal finance information you need today. Even tools like tax calculators, retirement calculators, goal calculators, expense tracker templates. But to apply all of that information effectively to your personal financial situation requires a […]
Jul 10, 20221 min read
The Right financial focus
Life can get a bit simpler when we just view it through the lens of what IS in our control and what IS NOT. It brings a lot of clarity to our thought process and induces us to focus on people and things that truly matter in our little lives. Ditto goes for our personal […]
Jul 10, 20221 min read
Can you time the market?
Nifty 50 Absolute Returns: 5-year: 1 Apr 2015-31 Mar 2020 – 0.13% 10 months (1 Apr 2020-21 Jan 21) – 78% Your 5-year returns can get wiped off in a few days in the stock markets. And you can recover them or maybe more in a matter of months. But can you time it? The […]
Jul 10, 20221 min read
What does financial freedom mean to you?
Financial freedom means different things to different people – for some it is to be debt free, for others, it could be having the liberty to want to work and not have to work, could be achievement of all financial goals. The narrative changes with the passage of time. Overall, someone genuinely and persistently aspiring […]
Jul 10, 20221 min read
Cost of Investment Delay
Last year I read a brilliant book by Steven Pressfield titled ‘ Do the Work’. Simple and yet a powerful name. We all talk about Intelligence Quotient and Emotional Quotient. Well, there is another quotient too, it is called the Action Quotient and how we need to up it. Just do the work! Start the […]
Jul 10, 20221 min read
Cost of Investment Delay
Last year I read a brilliant book by Steven Pressfield titled ‘ Do the Work’. Simple and yet a powerful name. We all talk about Intelligence Quotient and Emotional Quotient. Well, there is another quotient too, it is called the Action Quotient and how we need to up it. Just do the work! Start the […]
Jul 7, 20221 min read
Number of years you will live in Retirement
How much money you will require in Retirement without a regular stream of income to sustain you for atleast 20-25 years? And with maintaining current lifestyle, healthcare and fulfilling aspirations? Get thinking now!
Jul 7, 20221 min read
Lessons from recent bank debacles
What should fixed deposit investors, incl. senior citizens keep in mind?
Jul 7, 20221 min read
Buy or Sell?
‘Forecasting is the art of saying what will happen and then explaining why it didn’t?’ – Anonymous. This cannot be more relevant than in present times plagued with uncertainty. As stock markets touch new highs, investors are already betting whether this is the Mother of all Bull Runs? And there are also a section of […]
Jul 7, 20221 min read
Good vs Bad Loan
For an average man, it is not possible to live completely debt free. Many a times, it is not a smart decision too. For big purchases like a house, it becomes inevitable to borrow home loan. But the most important consideration when taking out a loan is whether the debt is good or bad. With […]
Jul 7, 20221 min read
Have you heard of retirement loan? No, because it does not exist!
Can you imagine how your retirement would be? Will you be able to maintain your current standard of living post retirement? Will your financial responsibilities be over at 60? Will you be healthy enough to avoid lifestyle diseases and a big dent in your savings? Will you be living independently with your spouse? Will your […]
Jul 7, 20221 min read
Keep it Simple, Stupid!
You do not require special child oriented financial products to invest in your child’s future education goal. Be it insurance, mutual funds, bank accounts. There is no difference between a child insurance plan and other traditional insurance plans. There is no difference between a mutual fund child care plan and regular balanced fund or hybrid […]
Jul 7, 20221 min read
Who in the family requires life insurance?
Life Insurance is one of the most basic needs of an individual’s financial life. If he is earning and his parents, wife and children are dependant on him, he needs to buy Life Insurance. The dependants in the family do not need to buy life insurance cover for themselves. But what they need is life […]
Jul 6, 20221 min read
Review and Replace your Financial Habits
This pandemic crisis presents an opportunity for all if us to self-reflect, take corrective action and develop good habits. As James Clear author of best seller Atomic Habits says – “Habits are the compound interest of self-improvement. What matters is whether your habits are putting you on the path toward success over the long run”. […]
Jul 4, 20221 min read
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