Author: Sanjiv Singhal | Scripbox.com

Sanjiv Singhal

Founder & Chief Operating Officer of Scripbox, Sanjiv has worked at the intersection of finance & technology for over 25 years - having held leadership positions at Citibank, ABN AMRO Bank & Kotak Mahindra. Sanjiv set up Scripbox along with his friends Ashok, Atul & Ravi with the aim of simplifying personal finance for everyone. You can also follow Sanjiv on twitter @sanjivsinghal.

What is diversification and over-diversification of Mutual Funds?

The most common metaphor for diversification is not having all your eggs in one basket. The portfolio theory definition of it is slightly different.

The nine levels of financial freedom you should aim for

Most of us associate financial freedom with not needing a job. But while a complete retirement may be a few years away, here are nine levels of progress that you can measure yourself against.

How not to choose mutual funds

So you have finally decided to start investing via mutual funds? Here are the next 5 steps to choose which mutual funds you want to invest in.

When to withdraw your mutual fund investments

Don’t act impulsively every time you see a gain or a loss.

Is your relationship with money complicated?

Before you make that next big purchase, ask yourself if it is really going to add any real value to your life?

Use these 8 simple tricks to be in charge of your expenses and save more

All of us understand the benefits of saving and managing our money better. It seems simple enough – put aside a small amount every month as savings. Yet many of us find it hard to save and our expenses leave us struggling at the end of every month.

Investments going south! What should I do?

Let's try and understand how Google Maps can help you stay on track with your investments.

Understanding taxation in Mutual Funds

Just the way your salary is taxed as per the income tax slab rates, the gains you make from your mutual fund investments are also taxed but the rules are different. Let’s look at how different types of mutual funds (MF) are taxed depending on the holding period.

Should you give a break to your SIP?

A lot of investors take the obviously smart step of starting SIPs in equity mutual funds. It’s a journey well begun. However, many stop their SIPs after a while and the reasons they cite are quite a few. But not all justify the need to withdraw.

Buying funds at lower NAV vs higher NAV

The NAV of a mutual fund being high or low has absolutely no relevance to your decision to invest.

What to keep in mind when planning your finances

Whenever you create a financial plan for yourself, you will need to make a set of assumptions. These will help you figure out how much and how long it will take to reach your financial goals.

Why is my Mutual Fund doing worse than Nifty?

Over the past 20 years or so, we have seen that the top equity mutual funds have consistently done better than the market benchmarks. Better managed diversified equity funds have delivered an annualised return that is about 3-4% better than the Nifty. This gets reflected in the return delivered by Scripbox portfolio recommendations.