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The 2022 Arthgyaan Year in Review

Posted on 25 Dec 2022
Author: Sayan Sircar

Tags: Review

14 mins read
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This blog completes its second year with 100+ new posts in 12 months. Here’s looking back.

How it all started in March 2021

Our previous year in review: 2021

Arthgyaan was started in March 2021 to simplify goal-based investing and personal finance. The blog helps you create a system for reaching your financial goals by sharing simple, actionable advice backed by research and analysis. Our tag-line is “Supporting everyone’s personal finance journey”.

This blog is a single-person effort. You can find more details on the About page. Our readers are located worldwide.

You can start reading here: Start here.

👉 Join our free WhatsApp community for the latest updates.

Looking back at 2022

In our second year of operation, the markets globally and in India faced different challenges compared to the previous year. We responded with relevant posts and topics:

Is there a correction in the stock markets? when stock markets started going down in January. More coverage on this topic of Market Movements is available
A tactical trading opportunity in gold vs. equity when gold prices sharply went up in March
The unknown risk in NPS that few people talk about. This is the first of our multiple articles on the topic of NPS
We got more into details of debt mutual funds starting with: Who should invest in target maturity debt funds?
We covered the financial implications of house purchase thoroughly with a series of articles on purchasing your dream home
As interest rates started inching up, we covered the concept of inflation as well as the impact of rising rates on loans: What should you do when your home loan interest rates go up?
We provided some additional coverage to the Financial Independence Retire Early (FIRE) movement via a series of additional articles: What is the quickest way to reach FIRE?
We tackled the concept of the Safe Withdrawal Rate and started the new topic series with: Does the 4% SWR rule work in India?
Should you break your FD and create a new one at new higher rates? since FD rates are now going up and many readers have this question

Did you know that we have a private Facebook group which you can join for free and ask your own questions? Please click the button below to join.

Goal-based investing Google sheets tool

Goal-based investing cycle

We launched a Google Sheets workbook that allows you to find out your goal-wise asset allocation, SIP amount and rebalancing plan. The tool is designed to simplify your financial planning to help you set goals, manage your investments and let you take the right decisions that will help you achieve your life goals.

Here is a video that talks about the tool and what you can do with it.

You can get access to the tool here.

Case studies

We created some case studies showing how to use the goal-based investing tool from the previous section to perform your own financial planning:

Barista FIRE Calculator for NRI Returning to India: Can $1 million be enough for this NRI returning to India in 5 years for early-retirement?

This article uses the Arthgyaan goal-based investing calculator to understand how much corpus is needed to have a comfortable lifestyle in India.
Case study: how can this middle-aged investor with two children plan for retirement and children's goals?

This article shows how a single-income middle-aged couple with two small children reach their retirement and children’s goals.
Case study: can this double income single kid family reach FIRE at 50?

This article shows how a double-income couple with a 2-year old reach their FIRE dream at the age of 50.
Case study: how a family in their mid-30s with a newborn kid can FIRE and invest in real estate?

This article shows how a double-income couple with a newborn child can invest for their future goals of FIRE and real-estate investment.
Case study: how this double income recently married family can perform DIY goal-based investment planning

This article shows how a young just-married couple can invest for future goals using the Arthgyaan goal-based investing tool.
Case Study: How should couples in their 40s with a new baby plan their financial future?

Did you welcome a bundle of joy in your 40s? This article will discuss ways of planning the child’s (and your’s financial future)
Case study: how this double income single kid family can perform DIY goal-based investment planning

This article shows how a very typical salaried couple with one child can invest for future goals using the Arthgyaan goal-based investing tool.

Start Building Wealth with Expertly Curated Mutual Fund Packages

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FAQs on many topics

We have started a new post category of Frequently Asked Questions compiled for these concepts:

Advance Tax: Who Needs to Pay and not Pay, Deadlines and Penalties Explained

If your estimated tax liability exceeds ₹10,000 after TDS/TCS, you must pay advance tax as per the schedule to avoid penalties.
Income Tax Notices Under Section 148A: What you should and should not do?

This guide explains why you might receive a notice under Section 148A, how to respond effectively, and the new time limits for reassessment along with Frequently Asked Questions (FAQs).
Frequently asked questions (FAQs) on SEBI's new Specialised Investment Funds (SIF) which sit in between Mutual Funds and PMS

This article explains the basics of SEBI’s new Specialised Investment Funds which offer advanced strategies that mutual funds cannot and is suitable for investors below the PMS ₹50 lakhs threshold.
Form 12BAA: How to reduce TCS on foreign remittances and foreign travel after 1st October 2024?

This article shows you the method for lowering the effect of Tax Collected at Source (TCS) on foreign remittances and travel via RBI’s Liberalised Remittance Scheme (LRS) as per new rules introduced under Union Budget 2024.
Frequently Asked Questions on New Rules for Irregular PPF and Sukanya Samriddhi Accounts from 1st October 2024

This article discusses the new Department of Economic Affairs rules regarding irregular PPF and Sukanya Samriddhi Accounts as applicable from 1st October 2024.
FAQs for NRIs for applying for Power of Attorney (PoA) for selling a house in India

This article lists out the processes and frequently asked questions for NRIs looking to create a Power of Attorney for selling their house in India.
FAQs for NRIs for applying for Lower Deduction Certificate by filling Form 13

This article lists out the processes and frequently asked questions for NRIs looking to fill Form 13 for applying for Lower Deduction Certificate.
32 Questions to Ask Your Bank Before Taking a Home Loan in India

This article lists out the most important questions to ask your bank before taking a home loan.
Frequently asked questions on saving tax via Hindu Undivided Family (HUF): the complete guide

This article compiles an exhaustive list of FAQs on the concept of tax saving by creating an HUF.
What is MFCentral and why you should be using it?

This article introduces MFCentral as a one-stop-shop for transacting in mutual funds for Indian mutual fund investors.
Frequently asked questions on Exchange Traded Funds (ETFs): the complete guide

This article compiles an exhaustive list of FAQs on the concept of Exchange Traded Funds (ETFs).
Frequently asked questions (FAQs) on Cashless Everywhere facility in health insurance

This article gives you a list of common questions and their answers on the concept of “Cashless Everywhere” introduced for health insurance.
Frequently asked questions (FAQs) on legal heirs and nominees in India

This article gives you a list of common terms in use in Indian succession law on the concept of legal heirs, nomination and the concept of making a will.
Frequently asked questions (FAQs) on Tax Collected at Source (TCS) when you buy a car

This article gives you a list of common questions and their answers on the concept of tax collected at source when you buy a car.
Frequently asked questions on Section 54F: the complete guide

This article compiles an exhaustive list of FAQs on the concept of tax saving while purchasing a house under Section 54F.
Frequently asked questions on NRE Fixed Deposits (NRE FD): the complete guide

This article compiles an exhaustive list of FAQs on the concept of NRE Fixed Deposits (NRE FD).
Frequently asked questions on Tax Deducted at Source (TDS): the complete guide

This article compiles an exhaustive list of FAQs on the concept of Tax Deducted at Source (TDS).
Frequently asked questions on Credit Rating: the complete guide

This article compiles an exhaustive list of FAQs on the concept of Credit Rating.
Frequently asked questions on Public Provident fund (PPF): the complete guide

This article compiles an exhaustive list of FAQs on the Public Provident fund (PPF).
Frequently asked questions on Sovereign Gold Bonds (SGB): the complete guide

This article compiles an exhaustive list of FAQs for Sovereign Gold Bonds (SGB).

These are the five most popular posts according to page views from Google Search Console:

Tools and calculators

There are multiple popular and useful tools and calculators available on the site:

Comprehensive goal-based investing calculator that can handle all goals like retirement, FIRE, children’s education/marriage and home buying. The tool will show you the asset allocation for each goal and SIP amount. It will even show the minimum term insurance coverage you need
Risk profiling tool that you should use before investing in your goals
eBook: 30 essential personal finance concepts
How to calculate your term insurance coverage amount?
Should you break your FD and create a new one at new higher rates?

Next steps

2023 is expected to be a fun year with more coverage of important goal-based investing concepts, research backed by data and coverage of relevant news topics.

Here’s wishing you all happy holidays and a happy new year. 2023 will be great!

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