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Decode Finance

|| Plan > Execute > Review > Succeed || The Best Way to Start is to Start ||

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Asset Allocation

Buying a house during pandemic
Personal Finance

Is it a good idea to buy a house during the pandemic?

  • Sagar Parikh
  • Posted on August 25, 2021

We have learned that there are three most essential elements to lead a content life. Roti, Kapda aur Makaan. In other words, healthy food, good clothes and a house to stay. While all three are necessary, spending on food and clothes is small-sized and usually non-discretionary. So, for now, we will focus on the last…

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Ways to invest in gold
Personal Finance

Different ways to buy and invest in gold in 2021

  • Sagar Parikh
  • Posted on July 14, 2021

Indians love buying gold, and bought over 500 tonnes of gold in 2020. Let us get the maths around it. At the rate of Rs 47,000 per 10 grams of gold, Indians bought gold worth Rs 2.3 lakh crores during the last year. Or, approx. $30 billion worth of gold (at an exchange rate of…

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Should you invest in an IPO
Personal Finance

Initial Public Offer – should you invest in an IPO or not?

  • Sagar Parikh
  • Posted on June 11, 2021

Since the beginning of 2021, the IPO market again came into the limelight. The market witnessed a hoard of companies reaching out to the public for funds. The bull run and highly valued market lead to pricey offers. Subsequently, in the cases where the company’s business growth prospects do not support valuation, shareholders witness an…

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Sovereign Gold Bonds Scheme
Personal Finance

Features and advantages of Sovereign Gold Bond Scheme 2021-22

  • Sagar Parikh
  • Posted on May 30, 2021

The Government of India, vide its notification dated May 12, 2021, announced the Sovereign Gold Bond Scheme 2021-22, Series I-VI. The first gold bond scheme was launched in November 2015, and there have been several series since then. The last one was 2020-21 series, twelfth tranche of which closed in March 2021. Here are the…

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Soverign Gold Bonds Scheme 2020-21
Personal Finance

Sovereign Gold Bonds (SGB) 2020-21 Series XII

  • Sagar Parikh
  • Posted on March 2, 2021

The Government of India had announced the Sovereign Gold Bond Scheme 2020-21 on October 9, 2020. The sixth and final tranche of 2020-21 Series XII opens for subscription on March 1, 2021. Salient points of the Sovereign Gold Bond Scheme Subscription opens on March 1 and closes on March 5 Date of issuance of bonds…

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Diversify Mutual funds
Personal Finance

Diversify mutual fund investment portfolio

  • Sagar Parikh
  • Posted on February 23, 2021

Mutual funds are one of the easiest and best ways to invest. That is why investing in mutual funds is an important aspect of one’s investment journey. Careful selection of mutual funds is therefore vital, because incorrect investment choices not only impact financial gains but also lead to undiversified risks. It is important to know…

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How to prepare yourself for selling the family house
Personal Finance

How to prepare yourself for selling the family house

  • Sagar Parikh
  • Posted on January 25, 2021

Sometimes you have to decide to move on, but it may not be easy if strong emotions are attached to the conclusion. The decision to sell your family house is one example where intense feelings are involved, and the house’s disposal process can be challenging. You may prepare yourself for a physical disconnect, but it…

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How to choose the best mutual funds?
Personal Finance

How to choose the right mutual funds?

  • Sagar Parikh
  • Posted on January 18, 2021

Investment in a mutual fund will lead you to accomplish your financial goals only if the process to choose that mutual fund has been thorough. You already know that mutual fund investments are subject to market risks, and there is no guarantee of returns. Even with all the due diligence, the outcome may not be…

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Why Maintain financial liquidity
Personal Finance

Maintaining financial liquidity, learning from 2020

  • Sagar Parikh
  • Posted on January 8, 2021

Maintaining financial liquidity essentially means the ease with which you can convert investments into ‘cash or bank’. The faster the conversion and lower the effort, the more liquid an asset is. For example, cash or free balance in your bank account is considered the most liquid form of money. “Live as if you were to…

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Personal Finance

Best alternative investment options for modern day investors

  • Sagar Parikh
  • Posted on December 28, 2020

We live in an era where change is the only constant and investment world is no different. Economies worldwide are more connected than ever. An overwhelming range of financial products is available at the disposal of investors. Technological advancements are beyond belief and imagination of an ordinary person, and everything is available at just a…

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