The Intelligent Investor and Market Fluctuations

At times, Mr. Market becomes so wild. Isn’t it? Its down by 5% in a single day, or sometimes by 8% or sometimes it touches lower circuit by going down 10% in just 15 minutes. Within a month, investors see their stock value going down by 50%. That 1 million (10,00,000) becomes 5,00,000 within just…

Home Loan vs Investment in India

The average price of a 1BHK (1 bedroom hall kitchen) house in Mumbai is approx ₹70 lakhs to ₹1 crore. The further you go towards Mumbai city (towards Colaba), the price keeps on increasing upto average ₹3-5 crore. On the other hand, a graduate/post graduate with around 3-5 years of experience (in late 20s) earns…

3 Important Financial Goals You Should Achieve Before 30

The time between your 20s and 30s is probably the one with most adventure. Vast majority focuses on their careers and degrees, but there are certain things you should focus for a stable finance in future. Maybe you have done pretty well in managing money, or maybe you have no idea how to, because you…

Your Parents Are Not Your Emergency Fund; Children Not Your Retirement Fund

We all want to live a life with no fear and worry about our finances – ‘A life full of financial freedom’. However, that looks like an impossible task for many. Our Indian culture has taught us that our parents would be our emergency fund incase of crises and children would become retirement fund. Right?…

Magic of SIP that Common People Don’t Understand

Since the market comes with ups and downs daily, its very difficult for a common-man to time the market because technically even an experienced investor fail to do it many times. Hence this topic of “Rupee Cost Averaging Concept Explained” comes handy to solve this problem. As we all know, gaining profit in share market…

Why You Should Avoid Credit Cards?

A friend of mine asked me why do I avoid credit cards? When credit cards comes with so many benefits such as convenient, easy to buy, easy to track, lot of discounts, reward points, cash for emergency needs, free money for up to 50 days (if you pay on time) and so on. Hence, the…

Gold as an Investment Option in India

I’ve been hearing a lot about gold as an investment option in India these days. Some say “Gold is not a good investment option in India” or “Gold is the worst investment” while some says “Gold is the safest investment”. Some says “Gold is never old” or “Gold has been the best investment option and…

How to Prepare for a Recession in India

Are you paying attention to the business news lately? A friend of mine told me he’s been investing for more than a year in mutual funds and still he is in loss. He asked me whether he should stop investing and start preparing for recession. Also I’ve been getting a lot of forwarded messages on…

The Power of Compounding in Investing

Part 2 In the previous post we learned why we should consider investing, now lets discuss something about “The Power of Compounding”. There are two types of people in this world, those who understand the Power of Compounding in Investing and those who don’t. Almost everyone who invests money claims to understand the Power of…

Why Consider Investing? Beginners Guide

Part 1 Let’s assume you’re a salaried person and your salary is Rs. 50k a month. You work-hard for the whole day in office and get this salary at the end of the month. You hardly get any time to spend with your loved ones. If there is any other time left, you’re already stuck…