We talk about money, savings & mistakes

Taxpayers like you and me go to great lengths to try and save on taxes. We try and invest in various tax saving instruments, without analysing whether these instruments help us meet our financial goals or not. Sometimes, we end up investing in schemes...

We live in the world of everything ‘Instant’. We can live off instant noodles and coffee. We like something that we see and can have it delivered to us by ordering online. We can acquire the latest gadgets as soon as they are launched or sometime before...

In a recent media interaction, finance minister Arun Jaitley urged the Reserve Bank of India (RBI) to cut the interest rates. A lower rate would help fuel growth in India’s realty sector, which is suffering from a severe demand slowdown.
And he’s not wrong. There are 750,000 unsold apartments in seven cities alone, including those in Mumbai, the National Capital Region (NCR) and Bengaluru. RBI governor Raghuram Rajan obliged the finance minister with a 50 basis points (bps) rate cut...

A good friend sent me a text the other day. The market was down, and he was nervous. “Is this the correction,” he asked. My response, which never changes each time he asks, was simple. “I don’t know. Stick to your investment plan.”
Study after study shows that investor behavior does a lot of damage to a portfolio. Good intentions aside, investors pile into stocks when the market reaches new highs. When it falls, they jump ship. The result is a repeating cycle of buying high and...