SriNivesh - Adivce You Can Trust!

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… Read More »Personal Finance Rule 4 – Boring 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… Read More »Personal Finance Rule 3 – Max out all forms of PF

This short post reiterates the importance of avoiding an extremely harmful behaviour for your financial health – carrying credit card debt. This is a companion… Read More »Personal Finance Rule 2 – Pay your credit card bills in full

This short post describes a possible savings target in India – 30% of post tax income. This is a companion post to the India version… Read More »Personal Finance Rule 1 – Save 30% of your income

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… Read More »Benefits of Compounding – Visualizing the Eighth Wonder

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… Read More »BASICS of Investing – Five steps before you start

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… Read More »Wait, NPS still has issues as a retirement asset

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… Read More »Dialing back on mutual fund dividends – A Welcome Development