Incisive articles baed on data and facts
FIRE – Financial Independence, Retire Early (revised on 26 Feb 2024) 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 – the state of having sufficient personal wealth to live,
Please take a few moments to review our fee-only financial and investment planning services. Please visit the main page or click on the ‘Advisory Services’ tab in the top menu.
Real Estate Investment Trust (REIT) is a very interesting financial product. A lot of savvy investors in the developed countries use REIT to provide better income than typical bonds. The regulatory structure in India for REIT has existed for a few years. The very first product in this space is being spearheaded by the Embassy
Buying a home is one of the biggest decisions that an individual makes. In the present context, it is usually an emotional decision to buy a house. This short article looks at the financial factors to be considered before this big decision. This article is a companion post to the India version of Harold Pollack’s
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
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.
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
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