S R Srinivasan

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…

7 years ago

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…

7 years ago

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…

7 years ago

Personal Finance Rule 1 – Save 30% of your income

This short post describes a possible savings target in India - 30% of post tax income. This is a companion…

7 years ago

Benefits of Compounding – Visualizing the Eighth Wonder

In popular imagination, Albert Einstein is supposed to have called compound interest as the eighth wonder of the world.  He…

7 years ago

BASICS of Investing – Five steps before you start

A lot of people are interested in 'Investments'  to create assets. An often asked question is how to begin investing.…

7 years ago

Wait, NPS still has issues as a retirement asset

The recent announcements on improvements in the New Pension Scheme (NPS see here) have created a lot of buzz around…

7 years ago

Dialing back on mutual fund dividends – A Welcome Development

Mutual fund dividends have been used in interesting ways in India. It is public knowledge that the dividends in mutual…

7 years ago