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financial planning

Gold
Personal Finance

Is gold a good long term investment?

  • Sagar Parikh
  • Posted on November 15, 2021

One of my earlier articles described how Indians love buying gold and different ways to invest in gold. To put to perspective, Indians purchased over 500 tonnes of gold in 2020, worth Rs 2.3 lakh crores (approximately $30 billion). And, the gold demand in 2020 was the lowest in the decade, which essentially indicates that…

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IPO vs NFO
Personal Finance

IPO vs NFO – which is better for investors?

  • Sagar Parikh
  • Posted on October 31, 2021

In an Initial Public Offer (IPO), private companies offer their shares to the public. Similarly, a mutual fund also allows the public a chance to invest when it initiates a fund. In other words, investors can invest in the initial pool of money when a new fund gets launched, called a New Fund Offer (NFO)….

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health insurance relates to financial planning
Personal Finance

How health insurance relates to financial planning?

  • Sagar Parikh
  • Posted on October 9, 2021

Financial planning is all about goal setting, savings, corpus, timely evaluation of portfolio performance, etc. At least, that is what we believe it to be. In other words, financial planning is all about making things work in a particular direction. However, we often fail to acknowledge that addressing any deterrents that can derail your financial…

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Sensex at sixty thousand
Personal Finance

Markets at a lifetime high, what should be the mutual fund strategy?

  • Sagar Parikh
  • Posted on September 28, 2021

BSE Sensex mounted to 60,000 points last week, and NIFTY is eager to touch 18,000 levels. These are exciting times for investors but also confuse some who are trying to justify the highs. These heights look scary, especially amid the market uncertainties from global markets, the US and China markets. It is obvious to ponder how…

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All about the national pension scheme
Personal Finance

All about the National Pension Scheme (NPS)

  • Sagar Parikh
  • Posted on September 25, 2021

Is National Pension Scheme (NPS) a tax saving option or a long-term investment option? There is merit in exploring this question as we believe it is both, but if we have to choose one, it is more of the latter. The National Pension Scheme is an investment tool that focuses on your retirement needs. If…

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How to save Rs 1 Crore in 10 years
Personal Finance

How to accumulate Rs 1 crore in 10 years

  • Sagar Parikh
  • Posted on September 15, 2021

To accumulate Rs 1 crore in 10 years is a significant milestone for any investor. In other words, to be able to collect such a massive corpus is an outstanding achievement. However, although substantial, the target is achievable through consistent investing and firmly believing in your investment decisions. There are two options to begin the…

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protect income from taxes
Personal Finance

Top strategies to protect income from taxes and tips to save money

  • Sagar Parikh
  • Posted on September 15, 2021

Taxes are a part of life as you pay them each moment, directly or indirectly, knowingly or unknowingly, and in almost every transaction you conduct. Whether you like it or not is immaterial. In other words, there is little you can do about taxes, as paying them is inevitable. However, you can continually strategize to…

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Long term investment for child
Personal Finance

Top long term investment options for child needs

  • Sagar Parikh
  • Posted on September 4, 2021

Financial planning is about adding a structure to the investment process. First, one must gather thoughts and estimate the corpus requirements. Second, the investor must draft a robust investment strategy (or steps) to achieve the target. And, finally, make the necessary changes to accommodate a change in life circumstances to keep the financial plan relevant….

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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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Optimising investments while saving taxes
Personal Finance

Importance of optimizing investments while saving taxes

  • Sagar Parikh
  • Posted on July 7, 2021

Investment is an allocation of money with an expectation of return. We invest in assets to generate income. However, revenue generated from these investments is subject to taxes. Profit from the sale of investment is subject to capital gains tax. Furthermore, share trades are liable to transactions taxes. And so on. In other words, taxes…

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