The easiest thing a salaried individual can get is a loan. Whether or not they genuinely need the money, banks are always ready to offer attractive loans. The subprime crisis in USA is a classic example of how banks blindly lent to borrowers. While borrowers felt great initially, their debt…
Investment Strategy: Based on the outcome of the recent RBI policy, it would make sense to revisit the investment strategy for fixed-income investments. A neutral stance indicates that the behaviour of inflation and growth is uncertain. In such a situation, it would make sense to avoid duration calls and stick…
The week saw increased scrip level volatility and better index level stability. This paradox is increasingly becoming a trend in our markets. Indices are showing lower volatility while more constituent scrips are showing very high volatility. The closer scrutiny in the corporate governance of individual companies is clearly the…
Stepping into the workforce is an experience that brings both excitement and responsibility. It introduces one to being independent. It empowers one to get a hold on their finances and make one’s own decisions.
We all aspire to have a home of our own. There is also no denying the fact buying a house has one of the biggest financial and emotional implications in our lives. There’s always the right time to buy a house. For each one of us, the “right time” varies. Often, we are swayed by…
Managing personal finance is often oversimplified as simply controlling expenses as much as possible and saving whatever possible. Some people take the more prudent approach of saving first and then spending whatever remains. However, personal financial management is much more than that. While managing income and subsequent cash flow is…
The interim budget was predictable. There was something for everybody who is a part of a significant voting bloc. Aside from letting the government run without interruption, the only other purpose of interim budgets is to manufacture electoral narratives. The onus of extending the ideas from an interim budget…
Why is it so hard to talk about money? Money is a very personal thing. Most people don’t like to openly discuss money matters. Many people shy away because they don’t want to disclose their portfolio…
The rental yield is a crucial determinant of the worth of a residential property. A rental yield of 2.5% for a property worth Rs. 50,00,000 will give you an income of Rs. 1,25,000 p.a. which translates to a rental income of Rs. 10,000/- per month. The EMI for the same…
It is an aspiration for every individual to own a home in their lifetime. There is a lot of sentiment around owning a home and pride in living in your own house. However, real estate ownership demands large investments. It has reached a point where that single decision can have…
A vote on account is supposed to be a simple exercise. The government takes parliament’s approval for its spending needs for the first few months of the next year while the country’s elections take place. An interim budget, ventures to go beyond that and actually make more detailed projections for…
Podcast Transcript Teaching is seen as the finest form of giving. Sharing what one knows is the noblest thing. Which is why we call teaching a noble vocation. Teaching helps us learn several subjects. Subjects have syllabi that can be taught to a method. Investing is not a subject. It…
