Changes to investing in US stocks through Stockal

How to achieve the financial goal of children’s education alongside retirement goals?

Learn how to plan for the complexity of dual goals of your retirement and your children’s higher education.

How to plan for both your children’s college education fund in India? – A case study.

Here we are with another case study. This one’s for Rohan (44) and Shriya (37), who want to send both their children to premier Indian institutions. Let’s take a look at the plan.

Can you give both your children a US college education? Let’s find out what it will take!

We’re back with another case study and this time we’ve planned for Sriram (42) and Sanjana (38), who want to send both their children to colleges in the US. Take a look!

How to plan for your daughter’s college education fund in India? – A case study.

What would it take for Ajay & Preeti to give Simran a premier college education?

How to plan for a US college education fund for your child- A case study

Can Kabir’s parents afford his graduation from a US University? Let’s find out.

Financial checks to do on your 40th and 45th birthday

Understand what financial checks you need to do as you hit your 40th or 45th birthday and what these can tell you about your goals.

When should you consider a PMS?

Let’s find out if you ever actually need a PMS and which scenarios dictate its inclusion in the set of financial tools at your disposal.

Can the rising equity glide path reduce your post-retirement risk?

In this article, we discuss an alternative approach that may answer the question of how much to expose to equity during retirement.

A Systematic Withdrawal Plan (SWP) is more tool than an investment instrument – here’s why

A Systematic Withdrawal Plan is an effective solution to plan your cashflows but is it actually a solution in itself? No & here’s why.

Asset allocation is a risk mitigation approach rather than a return maximization one

Learn why asset allocation is all about risk mitigation and not maximising portfolio returns and why this should guide your investing

Should you shift your equity mutual fund SIPs to debt investment options in the falling stock market?

The equity market is on a roller-coaster ride due to worries over high inflation, the continuation of the Russia-Ukraine war and rising interest rates. The Sensex has fallen 14.6% as of June 24th, 2022 So, is it a good idea to shift your equity mutual fund SIPs to safe-haven fixed-income products such as debt mutual funds, bank fixed deposits etc.?

How do high-interest rates affect the stock market and individual stocks?

There’s been much talk about how the stock markets are being shaken and stirred thanks to the rising interest rate environment. But what’s the relationship exactly and how does it affect you as a long term investor? Let’s find the answer.

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.

fixed income is it enough for retirement

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?

Why should you consider EPF in your retirement plan?

Learn about the role EPF can play in your retirement planning exercise. Most importantly, know that just EPF won’t be enough!

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.

How to financially plan for your child’s wedding

Learn what you need to keep in mind if you intend to create a financial plan for your child’s wedding which is still a decade or more away.

Financial planning for new-age couples

A couple that plans together, stays happy together. Learn how you both can smoothly traverse financial planning as a process.

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.

How to look at health insurance after retirement?

Health expenses are a key concern post-retirement. What should you keep in mind when getting health insurance post-retirement?

How to financially plan for your child’s wedding

Learn what you need to keep in mind if you intend to create a financial plan for your child’s wedding which is still a decade or more away.

Should high inflation make you take a relook at your retirement goal?

If retirement is on your list of financial goals to achieve, should the current high inflation trend lead to a change in plans?

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.

How to plan for both your children’s college education fund in India? – A case study.

Here we are with another case study. This one’s for Rohan (44) and Shriya (37), who want to send both their children to premier Indian institutions. Let’s take a look at the plan.

Can you give both your children a US college education? Let’s find out what it will take!

We’re back with another case study and this time we’ve planned for Sriram (42) and Sanjana (38), who want to send both their children to colleges in the US. Take a look!

How to plan for your daughter’s college education fund in India? – A case study.

What would it take for Ajay & Preeti to give Simran a premier college education?

How to plan for a US college education fund for your child- A case study

Can Kabir’s parents afford his graduation from a US University? Let’s find out.

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?

Is it OK to invest in equity now, considering the market environment?

Equity markets have been flip flopping without any real growth recently (Jan-Feb2023). Are we going to see a bear market? Is equity too risky now? Let’s dive in.

With rates rising, are bank FDs back in vogue for your financial goals?

Interest rates are rising. Does that mean FDs are now more attractive for investors? Let’s do a little digging to find the reality.

An investor’s guide to investing in Target Maturity Funds – The debt fund that’s an index fund!

Understand what Target Maturity Funds are, how they work, and what role can they play in your investment portfolio.

Why should large cap equity funds form part of your core portfolio?

Learn why large cap funds should form a key part of your core portfolio. This is essential for a certain degree of stability in your wealth.

Is it necessary to realign your asset allocation due to the current market conditions, or should you wait?

Should you re-align your asset allocation in this turbulent market? We try and answer this question by understanding asset allocation.

Should equity investors be worried about high inflation? What does the past indicate?

This high inflationary period that we are seeing now is likely to impact equity growth. But what can history teach us?

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.

How the Finance Bill 2023 impacts you: 7 things to know

A lowdown on the changes in debt fund taxation that come into effect from 1 April 2023.

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.

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.

Having a health emergency fund is as necessary as having health insurance. Here is why.

Here’s why it’s a good idea to have a separate health emergency fund in addition to your health insurance policy.

Should high education inflation make you relook at your child’s higher education goal?

Here’s what you should do if you are worried about high education inflation impacting your child’s higher education goals.

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

2022-23 Report Card: Performance of Scripbox Recommended Mutual Fund Portfolio

Here’s how the Scripbox recommended set of funds performed last year.

Lower risk, predictable returns, lesser taxes. Presenting TMFs.

Learn about Target Maturity Funds & how they are a potentially powerful answer to your fixed income needs.

Staggered Investments: How we help you invest amounts beyond your bank mandate limit.

Here’s how we help you invest beyond your bank mandate limit. We also explain when this happens.

How does Scripbox evaluate investment alternatives? How does this help investors?

Learn what all goes into selecting an investment alternative here at Scripbox.

How we construct portfolios here at Scripbox

Learn about the ideas that influence portfolio construction here at Scripbox.

What is Scripbox’s role as an advisor?

Learn how we view ourselves as advisors and what are our responsibilities towards our clients.

How does Scripbox evaluate investment alternatives? How does this help investors?

Learn what all goes into selecting an investment alternative here at Scripbox.

How we construct portfolios here at Scripbox

Learn about the ideas that influence portfolio construction here at Scripbox.

What is Scripbox’s role as an advisor?

Learn how we view ourselves as advisors and what are our responsibilities towards our clients.

What is the recommended frequency for portfolio review according to Scripbox?

Why Scripbox recommends a portfolio review and, if needed, changing funds occasionally.

Scripbox’s Approach to Risk and it’s Management

How does Scripbox approach risk in investing? Let’s find out.

Why do we at Scripbox recommend a long-term perspective in investing.

Learn the analysis that’s behind our focus on long term growth in wealth creation.

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.

What mistakes do people make when filing their IT returns?

Many of those who have to file their returns for the first time or those doing it at the last moment can end up making some critical mistakes. Here are the most common ones and how to avoid them.

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?

Changes to investing in US stocks through Stockal

What is the change?

What changes for you

What will you not get anymore?

What actions do you need to take if you invest directly in US stocks from Scripbox?

Scripbox

Practical Insights For Wealth Creation

Related Topics

How to achieve the financial goal of children’s education alongside retirement goals?

How to plan for both your children’s college education fund in India? – A case study.

Can you give both your children a US college education? Let’s find out what it will take!

How to plan for your daughter’s college education fund in India? – A case study.

How to plan for a US college education fund for your child- A case study

Financial checks to do on your 40th and 45th birthday

When should you consider a PMS?

Can the rising equity glide path reduce your post-retirement risk?

A Systematic Withdrawal Plan (SWP) is more tool than an investment instrument – here’s why

Asset allocation is a risk mitigation approach rather than a return maximization one

Should you shift your equity mutual fund SIPs to debt investment options in the falling stock market?

How do high-interest rates affect the stock market and individual stocks?

Why Mutual Funds Are Better Than ULIPs

Would You Advise Your Best Friend To Invest In Equities Now?

How can defence services personnel create a Rs 1.5 cr fund for securing their child’s higher education?

Armed forces personnel? Know what is commutation & how should you invest your commutation lumpsum.

What should you be invested in your 40s?

Three reasons not to delay your investment even if this is a market peak

Why having joint ownership of financial securities can be useful

Algorithmic or human-based advice – what works?

Why should you consider EPF in your retirement plan?

Should employees seek ESOPs in lieu of a higher salary?

Top 4 considerations on company equity plans for employees

What do employees need to know before opting for ESOP, RSUs, or ESPP?

Have trouble articulating your financial goals?

History of Inflation in India and what to expect going forward

How to financially plan for your child’s wedding

Financial planning for new-age couples

How to efficiently transfer properties to your loved ones?

How to start a conversation with your spouse about saving for a child’s education

Here’s how you should buy health insurance for senior citizen parents

‘Are we sufficiently insured?’ The one conversation you must have with your spouse in your 40s

How to look at health insurance after retirement?

How to financially plan for your child’s wedding

Should high inflation make you take a relook at your retirement goal?

Should you get multiple health insurance policies or a single policy with a significant cover?

Do you factor in inflation when assessing your insurance needs?

When to resort to a course correction in financial planning?

How to plan for both your children’s college education fund in India? – A case study.

Can you give both your children a US college education? Let’s find out what it will take!

How to plan for your daughter’s college education fund in India? – A case study.

How to plan for a US college education fund for your child- A case study

Mistakes to avoid while stepping into a new financial year

Watch out for these three behavioural biases in your money life

Should you consider Retirement Homes?

Are festive gold purchases an investment?

Taking a Car loan this festive season? Consider these factors first

Should you relocate after Retiring?

Mindset matters, in life and in wealth.

Young India And Money – How A Musician From Bangalore Is Fulfilling His Dreams

The 4 real but surprising ways investing changed me

Confessions of an anonymous property investor

How I will buy a crazy expensive luxury handbag with my fresher’s salary

What you can learn from Taylor Swift about building a great career

Is this the right time to switch from equity to fixed income?

An ideal debt-equity allocation, that’s right for all?

What you should know before investing in ETFs

Should investors wait for a market crash before investing?

What every investor should know about risk?

Are you a DIY investor? Do you have these skills?

Is it OK to invest in equity now, considering the market environment?

With rates rising, are bank FDs back in vogue for your financial goals?

An investor’s guide to investing in Target Maturity Funds – The debt fund that’s an index fund!

Why should large cap equity funds form part of your core portfolio?

Is it necessary to realign your asset allocation due to the current market conditions, or should you wait?

Should equity investors be worried about high inflation? What does the past indicate?

The good news outweighed the bad news, as far as the markets are concerned, in November

Markets continue recovery while government focuses on strengthening growth

New Sebi norms: What’s in store for liquid fund investors?

Why does conviction matter when investing?

Why Indian economy should see a consumption boom in the coming years.

2 Reasons Why Bank Fixed Deposits Alone Won’t Make You Rich