Best Mutual Funds - DIY criteria

Best Mutual Funds – Selection using DIY Criteria

Best Mutual Funds? ‘Best Mutual Fund’ is one of the most common question/search term in personal finance. There are tons of sites that offer a list of Best Mutual Funds, Best Largecap Funds, Best Liquid Funds, etc. Most, but not all, of these sites also list the parameters that they have used to come up …

Rule 5 - Tax Savings is not mandatory

Personal Finance Rule 5 – Tax Savings is not mandatory

This short post warns against excessive focus on investing to simply save taxes. This results in sub-optimal results. This is a companion post to the India version of Harold Pollack’s Index Card – Pollack’s Index Card: All the financial advice that you ever need – India version What are Tax Savings? While the term tax …

Boring is Better

Personal Finance Rule 4 – Boring is Better

One of the most complex aspects of personal finance is to choose among the myriad of investment options available. It is easy to mistake a complex, slickly presented product to be a better product. This post puts forward the view that the reverse is often true – a simple, easy to understand product is better.  …

EPF PF VPF

Personal Finance Rule 3 – Max out all forms of PF

This short post reiterates the importance of an essential debt component of any portfolio in India – Employee and Public Provident Fund.  This is a companion post to the India version of Harold Pollack’s Index Card – Pollack’s Index Card: All the financial advice that you ever need – India version. While there are different …

Person with credit card terminal

Personal Finance Rule 2 – Pay your credit card bills in full

This short post reiterates the importance of avoiding an extremely harmful behaviour for your financial health – carrying credit card debt.  This is a companion post to the India version of Harold Pollack’s Index Card – Pollack’s Index Card: All the financial advice that you ever need – India version Very simple rule – Pay …