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Posted on 5 Nov, 2018
Last updated August 31, 2021
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A 1 lakh pension – is it possible to save and invest towards it if you make 2 lakhs a month and are 40 years old?
Want to see a plan that can help you get started with your retirement goal, if you are in your 40s?
Want to see a plan that can help you get started with your retirement goal, if you are in your 30s?
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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.
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!
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.
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 is an effective solution to plan your cashflows but is it actually a solution in itself? No & here’s why.
Learn why asset allocation is all about risk mitigation and not maximising portfolio returns and why this should guide your investing
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.?
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.
We explain why ULIPs are not the best option for you and the alternative, of investing in Mutual Funds, is better.
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.
As defence services personnel, you are uniquely placed to create a big and sufficient corpus to fulfil your child’s higher education dreams.
Learn how is commutation calculated and how you can go about investing this significant lump sum amount effectively
Your 40s come with myriad financial nuances and goals. Here’s how to invest to marry them right.
With the markets at all-time highs, wondering if it is better to sit on cash? We think otherwise and here’s why.
All you need to know about why Joint holding of your financial assets should be on your priority list.
Which one makes sense for investors or do you need both?
In your 40s, the usual rules of an emergency fund won’t cover all the bases. What you need is a confidence fund instead.
A salary hike can be much more than just an excuse to spend more. Find out how to make sure the hike achieves more for your financial goals.
Here are some ways in which you can manage the increased EMI & tenure burden you may be facing as a home owner with a home loan to pay back.
Learn about the role EPF can play in your retirement planning exercise. Most importantly, know that just EPF won’t be enough!
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.
Here’s what you, as a potential employee, need to keep in mind when choosing between equity plans for employees.
Taking on a multi-crore loan for your child’s college education abroad – Read this post before taking a call.
Wish your teen were more financially responsible? Here’s how you can nudge them towards the right path.
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.
A couple that plans together, stays happy together. Learn how you both can smoothly traverse financial planning as a process.
Learn how you can make property transfer a simple and easy process to ensure maximum transparency and equitability.
Planning for your child’s higher education is a family goal. Here’s how to start the conversation around this with your spouse.
Planning early for retirement is rarely optional, even if you are affluent right now.
The deadline for opting for higher pension through EPS has been moved ahead. But should you go ahead? Here are some factors that will help you decide.
Are you thinking of buying instead of paying high rent? Read this to find out what can help you decide if you can afford to buy a home.
Health expenses are a key concern post-retirement. What should you keep in mind when getting health insurance post-retirement?
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.
If retirement is on your list of financial goals to achieve, should the current high inflation trend lead to a change in plans?
Want to see a plan that can help you get started with your retirement goal, if you are in your 40s?
Want to see a plan that can help you get started with your retirement goal, if you are in your 30s?
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.
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!
What would it take for Ajay & Preeti to give Simran a premier college education?
Can Kabir’s parents afford his graduation from a US University? Let’s find out.
A brief guide to India’s economic growth, a decade by decade primer.
Most people don’t like debt. But when is prepaying your home loan the best option? Let’s find out.
If you were trying to book an international holiday, you may have come across a prompt for travel insurance. Does it make sense?
Avoid these mistakes to ensure the year ahead is a happy one in which you make real progress towards your financial goals.
Are your behavioural biases helping or hindering your wealth creation efforts? Know the right behaviours you need to have in place.
Post-retirement does it make sense to reside in retirement homes? What are the benefits and costs? Let’s find out.
The why behind your actions, or your mindset holds the secret to not just a great life but also effective wealth creation.
Meet Jonathan, a musician who is working towards fulfilling his passion by using financial foresight and prudence.
Here are 4 key observations, as an investor, that I would like to share with you that show how investing can transform you.
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”.
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...
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.
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.
Is there a one size fits all approach to deb-equity allocation for your portfolio? We think otherwise and here’s why.
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.
Considering many believe that markets are expensive now, let’s understand if it makes sense to wait for a market crash before investing.
What you as an investor should know about risk and how it plays a role in your wealth creation efforts.
Being a DIY investor seems attractive on paper but can it be actually effective in helping you reach your financial goals?
The obvious tax benefits associated with debt funds may have been removed, but they still make a lot of sense. Here’s why.
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.
Interest rates are rising. Does that mean FDs are now more attractive for investors? Let’s do a little digging to find the reality.
Understand what Target Maturity Funds are, how they work, and what role can they play in your investment 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.
Should you re-align your asset allocation in this turbulent market? We try and answer this question by understanding asset allocation.
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.
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.
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.
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.
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.
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?
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.
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.
Did you know you’re building a secret saving of over Rs. 1 Cr in something called the Employee Provident Fund (EPF)!?
Looks like the long winded and painful process of withdrawing from your EPF Account is all set to become a lot more simpler.
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.
A lowdown on the changes in debt fund taxation that come into effect from 1 April 2023.
Scripbox views and perspectives on the Union Budget 2022 and what it means for the growth of the Indian economy.
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?
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.
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.
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 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.
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.
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.
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.
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 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.
Are you thinking of buying instead of paying high rent? Read this to find out what can help you decide if you can afford to buy a home.
Here’s why it’s a good idea to have a separate health emergency fund in addition to your health insurance policy.
Here’s what you should do if you are worried about high education inflation impacting your child’s higher education goals.
Here are some key reasons you should be aware of, and will help you understand why insurance is meant for risk management only.
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.
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.
Here’s how the Scripbox recommended set of funds performed last year.
Learn about Target Maturity Funds & how they are a potentially powerful answer to your fixed income needs.
Here’s how we help you invest beyond your bank mandate limit. We also explain when this happens.
Learn what all goes into selecting an investment alternative here at Scripbox.
Learn about the ideas that influence portfolio construction here at Scripbox.
Learn what all goes into selecting an investment alternative here at Scripbox.
Learn about the ideas that influence portfolio construction here at Scripbox.
Learn how we view ourselves as advisors and what are our responsibilities towards our clients.
Why Scripbox recommends a portfolio review and, if needed, changing funds occasionally.
How does Scripbox approach risk in investing? Let’s find out.
Learn the analysis that’s behind our focus on long term growth in wealth creation.
A wealth manager can bring a lot to the table when it comes to helping you with tax planning.
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.
It depends on how long you stayed invested and whether you have invested in equity mutual funds, debt mutual funds or hybrid funds.
Sometimes a gift can create a tax incidence. Know about gifts and taxes in this article.
Here is a low-down on TDS under various income heads for an NRI and methods to reduce it or seek refunds.
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.
A wealth manager can bring a lot to the table when it comes to helping you with tax planning.
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.
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?
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.
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.
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 https://www.youtube.com/watch?v=-h5P5SUibcM
3 things to do now For financial well-being post-retirement https://www.youtube.com/watch?v=eVGVBXZnbhI
Your 40s come with myriad financial nuances and goals. Here’s how to invest to marry them right.
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.
Here are six signs that tell you that you may be ready to hang up your boots if you wanted.
The tenets of asset allocation often mean that while your goal may be one, you may require multiple financial instruments to achieve it.
Should you look beyond VPF while creating an investment portfolio?
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?
Mutual Fund investor and planning to change your maiden name post marriage? Learn what you must do.
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