What is Real Return and How Inflation eats your money

Recently all news dailies carried the headlines : ‘inflation rate has crossed double digits’. This indeed is worrying. So what is inflation and how does it affect the common man. In simple terms inflation is nothing but rise in the general level of prices of goods and services in an economy. What leads to this […]

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Financial Literacy comics for your Children

How do you teach Children about different concepts of Banking , earning money , Loans from Bank , Interest earned on money , Investing Vs Saving and other concepts and at the same time make it fun and time pass for them ? Reserve bank of India has some excellent comics which are very educational/informative […]

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GFactor , A decision making tool for Financial products

How do you find out if a product suits your requirement ? What about a very simple calculation which can take into account most important requirements like lock in factor , complexity of a product , your requirement and its return and risk potential and tells you if it really suits your requirement. This Post […]

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How to calculate Future Value of your monthly Investments

Lets say you want to invest Rs 2,000 per month for 10 yrs and then want to leave it for next 20 yrs to grow . How will you calculate it ? Do you know ? Today we will see this basic calculation and learn how to find out the amount you can generate . […]

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What are the important elements of setting your financial goals?

One of the most important part of financial planning is setting financial goals. The first step involved is to know where you want to go ? If you have no goals set , then you will be randomly investing and as your goals in life comes along the way, you fulfill them. It can happen […]

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Things that you should know before hiring a financial planner

As a concept ‘financial planner’ has been in existence over several decades in the western world and in modern times, this role has turned into a well understood and highly regulated profession. In the developed markets Financial planners would be similar to the family GP (general practitioner or family doctor) advising their clients on money […]

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Common Mistakes in Personal Finance [Part 2]

Unrealistic returns Risk free returns, in our country are amongst the highest in the world. In countries like US, the interest rates are 1-2%. Equity markets in our country continue to provide 12-15% annual returns (Find Why) . But how much do investors expect from equity these days? A lot! No one is ready to […]

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Common Mistakes in Personal Finance [Part 1]

Spending more than you should Sometimes, people spend impulsively, on things which they do not really need. Just because, your plastic card is in your wallet and you “might” need it in future makes you believe that you need to get it right now. A brand new camera, with a 100 megapixel sensor and a […]

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Are Company Fixed Deposit Safe ?

Today we will talk about Company Fixed Deposits. There are many investors who are very much impressed by the Corporate fixed deposits and feel like they are as good as Bank Fixed deposits, but one has to understand that if company deposits offer higher interest rates, It is bound to be more riskier than normal […]

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A short guide to Hire a Good Financial Planner in India

Are you looking for Financial Planner? If you are, you should go through this article that talks about almost all the necessary information you need before hiring a financial planner. Most of the clients are confused on simple things like, where to find a good financial planner, what they should expect from financial planner and […]

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