This blog completes its fourth year with 100+ new posts in 12 months. Here’s looking back.

📚 Topics covered:

• How it all started in March 2021
• What was new in 2024?
• Looking back at 2024
• Goal-based investing Google Sheets tool
• Case studies
• Most popular posts of the year
• Tools and calculators
• Next steps

How it all started in March 2021

Our previous year in review: 2023

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.

What was new in 2024?

We launched paid 1:1 consultations for our readers. To answer any questions you have:

Book a consultation

We have also restarted posting on our YouTube channel. Here’s the channel link:

Click to Visit on YouTube

Looking back at 2024

In our fourth year of operation, we covered some new topics related to portfolios based on historical data for the Indian market:

• Portfolio allocation models for Indian investors
• Arthgyaan India Active Fund Scorecard (Dec-2023)

as well as a way to track your NPS portfolio in Excel, Google Sheets and the Arthgyaan goal-based investing calculator: How to use Arthgyaan API to get NPS NAV to calculate your NPS corpus value?

We also extensively covered the multiple taxation changes around Union Budget 2024:

• Union Budget 2024: What are the most important changes that will now affect your portfolio?
• Budget 2024 taxation rule reversal: grandfathering rule brings back indexation benefit to properties acquired before July 2024
• Form 12BAA: How to reduce TCS on foreign remittances and foreign travel after 1st October 2024?

(Read more here: Budget)

as well as investing for NRIs:

• How should NRIs sell property in India?
• 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?
• What should an US NRI do to become compliant with PFIC and FBAR rules on their Indian investments?

Read more here: NRI

We also increased our coverage on the mechanics of purchasing a house in India:

• Home Loan Eligibility for Joint Applicants: how to buy a bigger house
• How to save tax using Section 54F for an under construction house?
• How to manage a home loan if you are worried about job loss?

Read more here: House Purchase

Goal-based investing Google Sheets tool

We added new features to our Google Sheets workbook that allow you to determine 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 make the right decisions that will help you achieve your life goals. You can even track your NPS portfolio in it along with stocks and mutual funds.

Here is a video discussing the tool and what you can do with it.

You can access 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 financial planning: Show/Hide

If you, dear reader, wish to cover a different scenario as a Case Study, please click the button below:

Please note that this is a paid service.

New Case Study Request

Most popular posts of the year

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

• What is MFCentral and why you should be using it?
• Should you pay home loan EMI by SWP from mutual funds?
• What should an US NRI do to become compliant with PFIC and FBAR rules on their Indian investments?
• Which SGB series should you buy based on the highest discount?
• NPS Vatsalya: A Gimmicky Product That Should Be Avoided If You Are Serious About Investing For Your Children

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
• Everything that NRIs must put on their to-do list when visiting India next time
• 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

2025 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. 2025 will be great! 😊