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Posted on 25 Oct, 2018
Last updated August 31, 2021
Practical Insights For Wealth Creation
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Are you saving enough?
It’s a question some of you have asked, and many of you have thought about. Whether you save 5% or 50% of your monthly income, how do you come to know if that is “enough”? Here are some pro tips that can ‘save’ you.
I can save Rs 25,000 per month. Can I become a dollar millionaire?
A dollar millionaire is someone who has $ 1 million (USD) of wealth or Rs 7 Cr. With a million, one is assured of a comfortable life, irrespective of where you live.
What to do when you can’t repay your home loan?
If you are finding it hard to repay EMIs on your home loan, there are a few steps that can help you salvage the situation.
When to Surrender your Non-Term Insurance Policy?
First of all, let’s understand the concept of Surrender Value (SV). It’s the money you get from the insurer on giving back the life insurance policy before the due date.
Can you take the 50 before 40 challenge?
108 months, Rs 20,000 to save a month to begin with. Can you reach 50 Lakhs before 40? Here’s a 5-step approach
Financially supporting your adult children. Does it make sense?
While providing emotional support to kids is a lifelong activity for parents, financial support needs a boundary, lest it jeopardize your retirement goals.
How to Save Money for your 2020 Dream Vacation
Some prudent financial steps will ensure you unwind without stressing about how you are going to sponsor the trip.
Amidst the increasing Fed rate and tension of a global war, should Indian investors consider US equity investment?
Does it make sense for Indian equity investors to still consider US equity in the current market environment? Scripbox CWO has the answer.
Does higher wealth demand more complex financial products in one’s portfolio?
Just because you have attained a significant amount of wealth do you now need more complex financial products, than the ones you have in your portfolio?
Should you invest in PMS as well as Mutual Funds?
For affluent and HNI investors, does it make sense to have exposure to both mutual funds as well as PMS? We find out.
Can Passion investing be part of your financial plan?
Is Passion investing a viable approach in your overall wealth management strategy or is it better left in the world of hobbies?
Don’t miss these three things when investing in corporate bonds
Investing in bonds is not as straightforward as it seems. At the very least, make sure you have accounted for these three things.
What is the ideal investment time frame for bond investments?
Is there an ideal timeframe for investing in bonds? In this article we try to assess what should be kept in mind for bond investments.
Why Mutual Funds Are Better Than ULIPs
We explain why ULIPs are not the best option for you and the alternative, of investing in Mutual Funds, is better.
Would You Advise Your Best Friend To Invest In Equities Now?
History tells us that equity investing is a long term venture. That money is made by people who held the course when times were bad. And times are looking bad right now. But as we all know the equity markets tend to recover from these bad times. Is it difficult to keep the faith when you see everyone around you panicking? Yes again.
How can defence services personnel create a Rs 1.5 cr fund for securing their child’s higher education?
As defence services personnel, you are uniquely placed to create a big and sufficient corpus to fulfil your child’s higher education dreams.
Armed forces personnel? Know what is commutation & how should you invest your commutation lumpsum.
Learn how is commutation calculated and how you can go about investing this significant lump sum amount effectively
What should you be invested in your 40s?
Your 40s come with myriad financial nuances and goals. Here’s how to invest to marry them right.
Three reasons not to delay your investment even if this is a market peak
With the markets at all-time highs, wondering if it is better to sit on cash? We think otherwise and here’s why.
Why having joint ownership of financial securities can be useful
All you need to know about why Joint holding of your financial assets should be on your priority list.
Algorithmic or human-based advice – what works?
Which one makes sense for investors or do you need both?
Should employees seek ESOPs in lieu of a higher salary?
ESOPs benefit employees when a company executes a buyback or launches an Initial Public Offering (IPO). This makes ESOPs a great tool for you to build wealth.
Top 4 considerations on company equity plans for employees
Here’s what you, as a potential employee, need to keep in mind when choosing between equity plans for employees.
What do employees need to know before opting for ESOP, RSUs, or ESPP?
Confused between ESOP, RSU, or ESPP? Learn the difference and decide what works for you and your wealth, effectively.
Have trouble articulating your financial goals?
If you have trouble giving substance to your vague financial aims, then fear not! Let’s help you analyse and figure out the what and how of financial goals.
History of Inflation in India and what to expect going forward
Ever wondered what inflation in India looked like decades back? Here’s a quick primer that tells you all you need to know.
Doctors too, need a wealth plan
Doctors face a unique work-life and thus, unique challenges. This calls for a different approach to wealth planning for them.
How to efficiently transfer properties to your loved ones?
Learn how you can make property transfer a simple and easy process to ensure maximum transparency and equitability.
How to start a conversation with your spouse about saving for a child’s education
Planning for your child’s higher education is a family goal. Here’s how to start the conversation around this with your spouse.
Here’s how you should buy health insurance for senior citizen parents
Here are the nuances you need to keep in mind when buying health insurance for your senior citizen parents.
‘Are we sufficiently insured?’ The one conversation you must have with your spouse in your 40s
Having a conversation on insurance is a must do activity for every couple. This can save you a lot of grief down the line.
Making term insurance policy claims smooth for your family in your absence
Create an email that includes all that your family needs to know to make an insurance claim and make this otherwise stressful task simpler
What to keep in mind to ensure a fair division of assets among your children?
Fair division of assets among children can be a challenging task. However, being equitable rather than just fair might be key.
Should you get multiple health insurance policies or a single policy with a significant cover?
Let’s find out if it makes sense for you and your family to hold a single health policy or multiple ones to ensure adequate health coverage.
Do you factor in inflation when assessing your insurance needs?
Wondering what inflation has to do with insurance? Well, quite a lot! Learn why it matters when planning for your insurance needs.
When to resort to a course correction in financial planning?
When exactly does the need for course correction in financial planning arise in an investor’s journey? Let’s find out.
Making term insurance policy claims smooth for your family in your absence
Create an email that includes all that your family needs to know to make an insurance claim and make this otherwise stressful task simpler
Is the money you get from an insurance payout taxable?
Is an insurance payout taxable all the time or is it only in certain cases? Let’s explore the reality of the situation.
Do you need to supplement your corporate term life cover with an individual policy?
If you have a corporate life cover, it still makes sense to get one for yourself separately. Let’s understand why.
Mistakes to avoid while stepping into a new financial year
Avoid these mistakes to ensure the year ahead is a happy one in which you make real progress towards your financial goals.
Watch out for these three behavioural biases in your money life
Are your behavioural biases helping or hindering your wealth creation efforts? Know the right behaviours you need to have in place.
Should you consider Retirement Homes?
Post-retirement does it make sense to reside in retirement homes? What are the benefits and costs? Let’s find out.
Are festive gold purchases an investment?
Buying gold is a given during festive times, but is it necessarily an investment or should we see it just like any other high value purchase?
Taking a Car loan this festive season? Consider these factors first
If you are planning to capitalise on offers on car loans this festive season, here’s what you should keep in mind first.
Should you relocate after Retiring?
Here are five things to keep in mind when considering whether you should relocate after retiring.
Mindset matters, in life and in wealth.
The why behind your actions, or your mindset holds the secret to not just a great life but also effective wealth creation.
Young India And Money – How A Musician From Bangalore Is Fulfilling His Dreams
Meet Jonathan, a musician who is working towards fulfilling his passion by using financial foresight and prudence.
The 4 real but surprising ways investing changed me
Here are 4 key observations, as an investor, that I would like to share with you that show how investing can transform you.
Confessions of an anonymous property investor
From the voice I could make out he wasn’t happy. After thrusting a keychain with four different keys into my hands, he said “Please do the needful. I am troubled”.
How I will buy a crazy expensive luxury handbag with my fresher’s salary
A Louis Vuitton bag is a dream for many, a reality for some and an extravagance for a number of rational, financially responsible individuals. Yes, we all have our perception of what an LV bag is, and more importantly, what...
What you can learn from Taylor Swift about building a great career
With an active social media presence and record-breaking success, Taylor Swift is at the pinnacle of her career. All this and more, just at the age of 25! How did she do it? What are her secrets? Can we learn something from her and apply them to our own careers? Here are four things that we can learn from the musical juggernaut that is Taylor Swift.
Is this the right time to switch from equity to fixed income?
With global equity markets under pressure due to the war in Ukraine, investors like you may be wondering if now’s the time to switch to fixed income. Here are three things to keep in mind before you do that.
An ideal debt-equity allocation, that’s right for all?
Is there a one size fits all approach to deb-equity allocation for your portfolio? We think otherwise and here’s why.
What you should know before investing in ETFs
ETFs have become quite popular in India recently thanks to how they allow exposure to specific indices and themes. But should you also go for them? Here’s what you should know first.
Should investors wait for a market crash before investing?
Considering many believe that markets are expensive now, let’s understand if it makes sense to wait for a market crash before investing.
What every investor should know about risk?
What you as an investor should know about risk and how it plays a role in your wealth creation efforts.
Are you a DIY investor? Do you have these skills?
Being a DIY investor seems attractive on paper but can it be actually effective in helping you reach your financial goals?
“Don’t pick stocks, Pick businesses” – Lessons from Buffett’s annual letter
Markets got you worried? The solution lies in these key lessons for investors, from Warren Buffett’s annual letter to shareholders of Berkshire Hathaway.
Planning to add bonds to your portfolio? Manage these risks
If you are planning to add listed bonds to your fixed-income portfolio, you ought to be aware of these two risks.
In the current scenario should you move to Index funds, ETFs or, stick to active?
Is going the index investing way the best approach, especially now in a volatile market environment? Here’s what to keep in mind.
Why should changing interest rates matter to you?
Understand how changing interest rates impact your investment portfolio and what if at all, should you do about it.
Underexposed to equity? Here’s what to keep in mind.
Underexposed to equity? Here’s what our research team suggests on handling this challenge to your portfolio.
Overexposed to equity? Here’s what to keep in mind.
Overexposed to equity? Here’s what our research team suggests on handling this challenge to your portfolio.
The good news outweighed the bad news, as far as the markets are concerned, in November
Despite European countries announcing a slew of COVID-19 related lockdowns and restrictions, the markets had reasons to smile with multiple players reporting successful COVID vaccine trial rates, and Joe Biden’s election.
Markets continue recovery while government focuses on strengthening growth
Much of the recovery in equity markets over the past couple of months is due to the tax cuts for corporates, announced by the Finance Minister, and a series of other administrative measures announced. One can expect more such measures to trigger the economic recovery.
New Sebi norms: What’s in store for liquid fund investors?
Market watchdog Sebi recently came out with new guidelines for liquid funds. The newly introduced norms could potentially change the portfolio orientation of liquid funds.
Why does conviction matter when investing?
When markets tend to go through their occasional drops, the people who come out on top are often those who kept on investing as if nothing has happened. They had the wisdom to realize that they can’t predict when markets will go up nor when they will go down.
Why Indian economy should see a consumption boom in the coming years.
The per capita income itself is growing at about 10% annually. On the other hand, ‘basic needs’ like food has already been met for most of the population and will not grow at the same pace. Most likely, basic needs will grow in line with inflation or less.
2 Reasons Why Bank Fixed Deposits Alone Won’t Make You Rich
There is no doubt that bank fixed deposits (FDs) are considered safe in that you will most likely get your money back. But did you know that bank FDs can negatively affect your savings over the long term?
Have people made money in mutual funds over time? – here is our 24 year analysis
We have seen several folks doubt whether mutual funds have delivered returns over time. When in doubt, trust in data. So, here goes our analysis.
My 3 Struggles In Reaching EPF Awesomeness
In order to setup my PF account to enable electronic withdrawals, I recently tried to seed my Aadhar number in the EPF UAN portal and went through some struggles that many of you are likely to go through, or are already going through.
Your Secret Stash Of Rs 1 Crore Or More
Did you know you’re building a secret saving of over Rs. 1 Cr in something called the Employee Provident Fund (EPF)!?
Tell Me News Like A Friend (5 December – 11 December)
Looks like the long winded and painful process of withdrawing from your EPF Account is all set to become a lot more simpler.
Why Debt Mutual Funds Are An Excellent Alternative to Fixed Deposits?
If you are in this position, there are two convenient options for you: Bank Fixed Deposits and Debt Funds. In this article, we compare them on different criteria and evaluate which is better for you.
Citius, Altius, Fortius – Union Budget Highlights 2022
Scripbox views and perspectives on the Union Budget 2022 and what it means for the growth of the Indian economy.
Why are Indian markets rising so much in 2022 and is it justified?
As the Sensex approaches 60,000 and Nifty nears 18,000 we explore whether it’s all speculation or are there real underlying causes that support this meteoric rise?
US Fed may hike rates. Will it impact Indian Equity?
In the short term, there may be a negative impact as FPIs invest less in emerging markets, including Indian equity, thanks to a potential rate hike in the US. Indian domestic consumption and economic revival will be mitigating factors.
The Nifty is at another record high! How should you invest?
With the Nifty scaling a new high at 15,800 level, should you stop for now or change the way you invest? Here’s why we think that may not work. It is said that looking at the absolute level of an index is hardly an accurate indicator of whether the market is expensive and potentially close to a peak.
Second wave of Covid in India – What should you do with your equity holdings?
One of the key questions is whether equity investors should convert their equity holdings to cash given the likely economic impact of the second wave and even a third wave as is being predicted by some.
All you need to know about RBI’s new auto-debit rule
RBI recently asked all the banks to use two-factor authentication for auto-debit transactions on their credit and debit cards. Let’s understand how it will affect your online transactions going forward.
Axis Mutual Fund changes fund managers of 7 funds amidst allegations
Axis mutual fund has removed two of its fund managers from 7 schemes amidst front-running allegations. SEBI has initiated a probe, and this is a developing situation. The immediate impact on investors in the affected funds can’t be ascertained until the fund house, or SEBI provides further information. None of the funds are part of the Scripbox recommendation.
Indian IT giants go one up on Dalal Street
The IT majors came out roaring with excellent Q3FY22 financial results. Considering their exposure to mutual fund portfolios across the board, this solid performance is good news for your investments and wealth. IT is also a significant employer in the country and this performance indirectly bodes well for the overall economy.
Optimism prevails amongst Indian biz leaders
According to a survey by ET, business leaders of India Inc are bullish about a pick-up in private investment. This combined with a PMI of 55.5 in December reflects well on the prospects of India Inc. For the prospects of your wealth, this is good news indeed.
Key changes take place in RBL Bank leadership, RBI steps in
While the developments at the helm of RBL bank have hit the bank’s stock price, investors can take heart from RBI’s statements and the management’s communication on the situation. We are watching the developments closely. We also believe individual fund managers are well placed to protect investor interests and take appropriate actions in their respective portfolios.
HSBC Mutual Fund acquires L&T Finance’s MF arm for Rs 3,200 Cr
The acquisition serves both HSBC AMC’s growth plans and L&T Finance’s strategic aim to strengthen its balance sheet. For investors in L&T AMC’s funds, though, little is likely to change at this stage. Fund managers and leadership remain the same. We will keep an eye on this and inform you if something fundamental changes.
Shriram consolidates group companies to create India’s largest NBFC
Shriram group’s consolidation exercise will create India’s largest NBFC, Shriram Finance Ltd. While the market has reacted negatively to this, for now, the long term impact on investor wealth is unclear. It’s definitely something we will keep our eye on and see how it all pans out.
Why should you buy insurance to manage risk and nothing else?
Here are some key reasons you should be aware of, and will help you understand why insurance is meant for risk management only.
Term policy lapse – Should you revive it or seek a new one?
What’s more financially prudent? What are the challenges involved in reviving a policy and when is it a viable option? Let’s find out.
Should you own multiple life insurance policies?
Is buying insurance supposed to be a one-time affair? Does it ever make sense to own multiple life insurance policies? Let’s find out.
What are the steps involved in making a death claim on a life insurance policy?
Here’s all you need to know to make this otherwise difficult process somewhat bearable
Algorithmic or human-based advice – what works?
Which one makes sense for investors or do you need both?
Can your retirement portfolio depend only on fixed income returns?
Retirement investing is often linked to fixed income option both before and after retiring. But is it the right approach?
2021-22 Report Card: Performance of Scripbox Recommended Mutual Fund Portfolio
Here’s how the Scripbox recommended set of funds performed last year.
Underexposed to equity? Here’s what to keep in mind.
Underexposed to equity? Here’s what our research team suggests on handling this challenge to your portfolio.
Overexposed to equity? Here’s what to keep in mind.
Overexposed to equity? Here’s what our research team suggests on handling this challenge to your portfolio.
What are the NAV applicability norms in mutual funds starting from 1st February 2021
This is in relation to a SEBI circular published on 17th September 2020, on the Uniformity in the applicability of Net Asset Value across various schemes upon realization of funds
All withdrawals are not equal after LTCG tax on mutual funds
We are the first mutual fund investment service with an algorithm that helps you reduce long term capital gains tax (LTCG) at the time of withdrawal.
2020-21 Report Card: Performance of Scripbox Recommended Mutual Fund Portfolio
Here’s how the Scripbox recommended set of funds performed last year.
How do wealth managers help you with taxation?
A wealth manager can bring a lot to the table when it comes to helping you with tax planning.
Getting an ESOP? Know the tax implications
While this type of compensation structure gives employees a share in the company’s future growth prospects, one has to carefully analyze its tax implications.
Taxes On Mutual Funds Withdrawal?
It depends on how long you stayed invested and whether you have invested in equity mutual funds, debt mutual funds or hybrid funds.
Got Gifts? Know how the Taxman calculates your tax liability
Sometimes a gift can create a tax incidence. Know about gifts and taxes in this article.
All you need to know about TDS and tax refunds as an NRI
Here is a low-down on TDS under various income heads for an NRI and methods to reduce it or seek refunds.
All you need to know about TDS and tax refunds as an NRI
Here is a low-down on TDS under various income heads for an NRI and methods to reduce it or seek refunds.
How do wealth managers help you with taxation?
A wealth manager can bring a lot to the table when it comes to helping you with tax planning.
Three things you need to know about ELSS funds
There are other investment avenues which can help you save a similar amount of tax, however, when you look at performance, none of the others has delivered similar inflation plus returns in the long run.
Why you should think about creating wealth when saving tax
Whether you invest in a tax-saving fixed deposit or an equity-linked savings scheme, your maximum allowable tax deduction through these investments remains the same at a maximum of Rs 1,50,000 under section 80 C of the IT Act. Then why not pick the investment which will help you maximise long term wealth too?
What you should know while buying bonds to save capital gain taxes
There are a couple of ways to save taxes on capital gains. One of them is by investing in specified tax-saving bonds under Sec 54EC of the Income Tax Act.
In the 30% tax bracket? Here are three investment allocation nuances you should know.
Paying taxes is a civic duty you can’t escape, but it helps to know how you can take advantage of the most efficient taxation when it comes to your investment growth.
Five things about taxes you might be getting wrong
Long-term financial planning and tax planning go hand-in-hand. Which is why, instead of just relegating tax planning to the last quarter or the last few weeks of the financial year, make it a part of your short-term and long-term financial goals.
Scripbox Smart Transfer Plan – The smart way to invest during market volatility
Scripbox Smart Transfer Plan – The smart way to invest during market volatility https://www.youtube.com/watch?v=-h5P5SUibcM
3 things to do now For financial well-being post-retirement
3 things to do now For financial well-being post-retirement https://www.youtube.com/watch?v=eVGVBXZnbhI
What should you be invested in your 40s?
Your 40s come with myriad financial nuances and goals. Here’s how to invest to marry them right.
Second wave of Covid in India – What should you do with your equity holdings?
One of the key questions is whether equity investors should convert their equity holdings to cash given the likely economic impact of the second wave and even a third wave as is being predicted by some.
Six signs that you are ready to retire early
Here are six signs that tell you that you may be ready to hang up your boots if you wanted.
One goal? You may still need more than one type of fund
The tenets of asset allocation often mean that while your goal may be one, you may require multiple financial instruments to achieve it.
Have Voluntary Provident Funds lost their sheen after Budget 2021?
Should you look beyond VPF while creating an investment portfolio?
Should you use your intuition as an investor?
Unknowingly, we also use intuition in our day-to-day life – say to select our family doctors or partner. Can we use our hunch to also guide our investment decisions?
What every woman should know while changing maiden names or holding status of mutual funds
Mutual Fund investor and planning to change your maiden name post marriage? Learn what you must do.
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