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The 2022 Arthgyaan Year in Review

Posted on 25 Dec 2022
Author: Sayan Sircar

Tags: Review

9 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 tagline 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.

Recent articles:

1 / 3

<p>As the market keeps rising to new all-time high figures, how much returns should equity investors expect from their investments running in SIP form.</p>

2 / 3

<p>This article discusses an alternative retirement portfolio construction method for generational wealth transfer.</p>

3 / 3

<p>This article gives the solution for buying small amounts of gold over the years in case buying SGB is not an option.</p>

❮ ❯

Join the Arthgyaan WhatsApp community: You can stay updated on our latest content and learn about our webinars. Our community is fully private so that no one, other than the admin, can see your name or number. Also, we will not spam you.

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

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:

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.

FAQs on many topics

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

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 for 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
Simple web-based single-goal planner that will help you find out the asset allocation and SIP amount for a single goal
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!

What's next? You can join the Arthgyaan WhatsApp community

You can stay updated on our latest content and learn about our webinars. Our community is fully private so that no one, other than the admin, can see your name or number. Also, we will not spam you.

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Discover an article from the archives

Worked out case studies for goal-based investing

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.

Previous and next articles:

<p>This article shows the historical performance of single payment goals in India and whether it has worked for reaching the desired corpus if you invest a lump sum amount.</p>

Portfolio Construction

Goal-based investing: does it work in India for lump sum investing?

This article shows the historical performance of single payment goals in India and whether it has worked for reaching the desired corpus if you invest a lump sum amount.

Published: 21 December 2022

7 MIN READ

<p>This article discusses a new category of ELSS funds relaunched in India that are run as index funds. Should investors invest in ELSS index funds for tax-saving purposes?</p>

Review Tax Mutual Funds

Should you invest in ELSS Index Funds like the 360 ONE ELSS fund?

This article discusses a new category of ELSS funds relaunched in India that are run as index funds. Should investors invest in ELSS index funds for tax-saving purposes?

Published: 28 December 2022

4 MIN READ

Latest articles:

<p>This article shows how an investor should invest a lump sum amount in the stock market when the market has reached an all time high.</p>

Market Movements

How to invest a lump sum amount when the stock market is at an all-time high?

This article shows how an investor should invest a lump sum amount in the stock market when the market has reached an all time high.

Published: 10 December 2023

4 MIN READ

Market Movements

Nifty above 21000: what should you do with your equity SIPs? Start, stop or continue?

As the market keeps rising to new all-time high figures, how much returns should equity investors expect from their investments running in SIP form.

Published: 8 December 2023

3 MIN READ

Topics you will like:

Asset Allocation (20) Basics (8) Behaviour (10) Budgeting (11) Calculator (17) Case Study (6) Children (14) Choosing Investments (40) FAQ (7) FIRE (13) Gold (14) Health Insurance (4) House Purchase (21) Insurance (15) International Investing (10) Life Stages (2) Loans (13) Market Movements (17) Mutual Funds (34) NPS (6) NRI (15) News (10) Pension (8) Portfolio Construction (47) Portfolio Review (27) Reader Questions (6) Real Estate (6) Retirement (38) Review (13) Risk (6) Safe Withdrawal Rate (5) Set Goals (27) Step by step (15) Tax (43)

Next steps:

1. Email me with any questions.

2. Use our goal-based investing template to prepare a financial plan for yourself
OR
use this quick and fast online calculator to find out the SIP amount and asset allocation for your goals.

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