Does it makes any sense to buy “Return of Premium Term Plan”? The one-line answer is “NO – it does not make sense” A “Return of Premium Term Plan” or TROP as its called – pays back all your premiums at the end of the period, whereas the plain term plan doesn’t return back anything. Before […]

Buying a house isn’t easy today if you are living in a metro city like Mumbai, Pune, or Delhi. It’s nearly impossible to pay the full price of a house unless you have massive savings or an existing real estate that you can resell. This is the reason why most people take home loans, or […]

Are you a lazy investor? Do you avoid various actions in financial life which are often suggested as the “right decisions”? There are countless articles and videos these days which tell you that it’s important to have sufficient life insurance and health insurance. One should start investing very early in life so that they can […]

Today you are going to read 10 truths about your job and why you should accept them and act upon them as soon as possible. We all start our jobs with big dreams and future, but somewhere we are so lost in our daily routine that we do not observe some important things. This is […]

The year 2017 is coming to an end and I would like to share some of the common mistakes which I have witnessed in some investors financial life. You can never have a perfect financial life but you can always live a regret-free financial life. I take this opportunity to thank those who opened up […]

From last 8 yrs, I have been talking and dealing with investors & I can see some progress on how people see their retirement these days. They have got more “serious” about retirement planning. Almost all the clients we have, for them retirement is a big goal and their focus on it is worth appreciation. […]

If you are living in a rented house and using any fake documents for HRA claim then be careful. Because from now on there will be a big trouble for those who are using fake rent receipts to claim HRA, as Income tax department have started asking for more document. Many times it is seen that […]

This article is a guest post by one of our readers Vikram Agarwal, who wanted to share his experience on the concept of “Early Retirement”. Vikram was generous enough to share his story and some of the real-life things which will make you think hard about this concept. Like Vikram, if you feel you can […]

Yesterday I went to watch a movie late night at Amanora town center in Pune. I and my wife had our dinner at a small Italian restaurant and the food there was quite good. When it was time to pay the bill, I went to the counter and paid the bill. When I got the […]

Today we will discuss why you need to stop investing in bank fixed deposits. I know you are a bit shocked by this statement, but my only attempt is to give you some understanding of why banks fixed deposits are not the best financial products in these times for your long term wealth creation. There […]