SriNivesh – Opinions that you can trust!
Incisive articles baed on data and facts…
In popular imagination, Albert Einstein is supposed to have called compound interest as the eighth wonder of the world. He did not say any such thing. Nevertheless, compounding indeed is very beneficial for your financial health. This short post provides Read More
A lot of people are interested in ‘Investments’ to create assets. An often asked question is how to begin investing. In this short article, we look at a sequence of steps in this process, with an easy to remember acronym Read More
The recent announcements on improvements in the New Pension Scheme (NPS see here) have created a lot of buzz around the scheme. The most impact is seemingly from the new ‘Exempt-Exempt-Exempt’ (EEE) nature of NPS. In this post we see Read More
Mutual fund dividends have been used in interesting ways in India. It is public knowledge that the dividends in mutual funds are not the same as dividends from stocks. Unlike dividends from stocks, mutual fund dividends are paid out from Read More
FIRE – Financial Independence, Retire Early This long article describes a calculator that combines a set of factors to assess the feasibility of achieving financial freedom early in life. Financial Freedom (FF), or Financial Independence(FI) can be defined this way Read More
Debt mutual funds are promoted as products that give ‘better returns’ than fixed deposits, while being quite safe. This is of course not true. Debt funds carry more risks than bank deposits. Another popular misconception is around one category of Read More
Endowment plans are evergreen products for the insurance industry. They receive a lot of promotion and aggressive selling. In this article, we compare this investment linked product with a separate investment product and show that it helps to not mix insurance and investment.
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