Janus is the Roman God of new beginnings. It seems appropriate to talk about Janus during the month that’s named after him. Interestingly, Janus has two heads – one faces forward symbolising new beginnings and the other looks back into the past. This image of Janus was taken from https://commons.wikimedia.org/wiki/File:Statue_of_Janus_%E5%82%91%E7%BA%B3%E5%A3%AB%E5%83%8F_-_panoramio.jpg…
Public Provident Fund (PPF) is a tax-free investment (EEE), which means that the amount invested, the returns accumulated, and the amount withdrawn is exempt from tax. This makes PPF a very attractive investment vehicle for your retirement corpus. Recently, the Indian Government has replaced PPF Scheme 1968 by PPF Scheme…
Unit Linked Insurance Policies Many investors choose Unit Linked Insurance Policies (ULIPs) as a tax saving investment because it kills two birds with one stone. For investors, combining insurance and investments seems like an efficient way to cover their personal finance needs. But insurance policies are not the best way…
The Corona Virus outbreak in China brings the heavily underestimated power of disruption to the global economy into sharp focus. The effect of a virus in a globalised world is far more than in closed economies. Interconnections kick in immediately. Instantaneous news spurs people to suddenly stop buying goods from…
Disclaimer: Welcome to this episode of the Kairos Podcast! Kairos is a podcast on Financial Planning, about doing the right thing at the right time. This audio content has been made available for information and educational purposes only. Nothing contained in this audio shall constitute or be deemed to constitute…
A week is a long time in the markets. With the smart turnaround in microcaps, small caps and midcaps, there is a palpable sense of urgency that is quietly replacing the negativity which pervaded market opinion. Investors who were disinterested in buying anything outside the performing dozen among equity shares…
What is a Pension? A pension or an annuity is a fund that you purchase to receive a regular stream of income from. Income from pensions are guaranteed and make an attractive investment opportunity for retirees. There are many types of pension schemes one could choose from. Pension plans can…
With a few weeks to go for the Union budget, we are slowly building up expectations. IIP Data released on Friday added to the hope quotient. Budget trades usually start a month ahead of the actual budget day. On D-Day, the trade usually ends as the expectations square up with…
It is natural for investors to always want to be on the winning side. So, in the stock market, we crave to own the stock winners and market leading sectoral themes all the time. Achieving that should effectively translate into higher investment returns. But, for that to happen, an investor…
Voluntary Retirement Scheme (VRS) Retirement is closer than we think. Especially for those opting for the Voluntary Retirement Scheme (VRS). VRS is a scheme offered by employers to incentivise long-term employees to retire early. Normally, employees stay in the workforce until they attain superannuation (i.e. turn 60). Through the voluntary retirement scheme, employees who…