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Choosing Investments (40 articles)

<p>This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2024.</p>
Choosing Investments
SENSEX vs PPF report card 2024: should you invest 1.5 lakhs in PPF in April?

This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2024.

Published: 29 March 2024

7 MIN READ


<p>This post sifts through 39 options to find the best ELSS funds for investing in 2024.</p>
Choosing Investments Tax Mutual Funds
What are the best tax-saving ELSS mutual funds in 2024?

This post sifts through 39 options to find the best ELSS funds for investing in 2024.

Published: 1 January 2024

8 MIN READ


<p>This articles explains the concept of how sweep FDs can help you earn higher interest rates while keeping your money liquid and safe.</p>
Choosing Investments
Sweep FDs: An Easy Way to Keep Your Money Liquid and get High Interest Income

This articles explains the concept of how sweep FDs can help you earn higher interest rates while keeping your money liquid and safe.

Published: 5 November 2023

7 MIN READ


<p>This article shows the maturity amount of investing in the Public Provident Fund (PPF) for 15 years as per historical interest rates.</p>
Choosing Investments
How much money has been made by investing in the Public Provident Fund (PPF)?

This article shows the maturity amount of investing in the Public Provident Fund (PPF) for 15 years as per historical interest rates.

Published: 22 October 2023

6 MIN READ


<p>This article explains how PPF interest calculation works so that you can invest  in the best month to get the maximum interest.</p>
Choosing Investments
Which is the best month to invest in PPF to get the highest interest?

This article explains how PPF interest calculation works so that you can invest in the best month to get the maximum interest.

Published: 6 September 2023

7 MIN READ


<p>This article gives you the current and historical interest rates for EPF so that you can track how the rate has moved since the 1950s.</p>
Choosing Investments
What is the latest Employees Provident Fund (EPF) rate? What are the historical rates for EPF?

This article gives you the current and historical interest rates for EPF so that you can track how the rate has moved since the 1950s.

Published: 5 July 2023

4 MIN READ


<p>The article presents a historical analysis of investing in stocks vs. EPF since 1979.</p>
Choosing Investments
EPF vs. mutual funds: which is better?

The article presents a historical analysis of investing in stocks vs. EPF since 1979.

Published: 2 July 2023

7 MIN READ


<p>This article explains the concept of dividends and shows which option is better for dividend income: stocks or mutual funds.</p>
Choosing Investments Pension
Understanding dividend investing: should you invest in stocks or mutual funds for dividend income?

This article explains the concept of dividends and shows which option is better for dividend income: stocks or mutual funds.

Published: 10 May 2023

8 MIN READ


<p>This article discusses various options for investors looking at investing in a post-retirement portfolio in 2023.</p>
Choosing Investments
What are the best options to invest post retirement in 2023 in India?

This article discusses various options for investors looking at investing in a post-retirement portfolio in 2023.

Published: 9 April 2023

10 MIN READ


<p>This article compares the various ways of investing in PPF to show which gives the most interest.</p>
Choosing Investments
How to get the most interest when investing in PPF?

This article compares the various ways of investing in PPF to show which gives the most interest.

Published: 5 April 2023

13 MIN READ


<p>This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2023.</p>
Choosing Investments
SENSEX vs PPF report card 2023: should you invest 1.5 lakhs in PPF in April?

This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2023.

Published: 2 April 2023

7 MIN READ


<p>This article gives you the latest view on target maturity debt funds for investors in 2023.</p>
Choosing Investments Mutual Funds
What are the best target maturity debt funds in 2023?

This article gives you the latest view on target maturity debt funds for investors in 2023.

Published: 1 February 2023

5 MIN READ


<p>This post sifts through 38 options to find the best ELSS funds for investing in 2023.</p>
Choosing Investments Tax Mutual Funds
What are the best tax-saving ELSS mutual funds in 2023?

This post sifts through 38 options to find the best ELSS funds for investing in 2023.

Published: 1 January 2023

8 MIN READ


<p>This article shows the steps that a new index fund investor can follow to shortlist an index fund for investing</p>
Step by step Choosing Investments Mutual Funds
What are the best index funds for new investors in India?

This article shows the steps that a new index fund investor can follow to shortlist an index fund for investing

Published: 26 October 2022

11 MIN READ


<p>This article teaches you how to read the portfolio disclosure statement of a debt mutual fund to understand what the fund invests in and the risk-return characteristics.</p>
Choosing Investments Mutual Funds Portfolio Review
How to understand the portfolio composition of a debt mutual fund?

This article teaches you how to read the portfolio disclosure statement of a debt mutual fund to understand what the fund invests in and the risk-return characteristics.

Published: 23 October 2022

10 MIN READ


<p>This article talks about the hybrid mutual fund category in India and shows you which ones to invest in as per your goals.</p>
Choosing Investments Mutual Funds
A primer on hybrid mutual funds: what are they and when to invest in them

This article talks about the hybrid mutual fund category in India and shows you which ones to invest in as per your goals.

Published: 19 October 2022

8 MIN READ


<p>This article shows you a quick way to know when your PPF account will mature depending on the date you opened the account.</p>
Choosing Investments
When does a PPF account mature?

This article shows you a quick way to know when your PPF account will mature depending on the date you opened the account.

Published: 16 October 2022

8 MIN READ


<p>The article presents a historical analysis of investing in stocks vs. PPF since 1979.</p>
Choosing Investments
PPF vs. mutual funds: which is better?

The article presents a historical analysis of investing in stocks vs. PPF since 1979.

Published: 8 June 2022

8 MIN READ


<p>The article shows you if you there is a better alternative to buying gold over time for your child’s marriage goals.</p>
Gold Choosing Investments
What will create a higher corpus for children's marriage: buying physical gold vs SIP in stocks

The article shows you if you there is a better alternative to buying gold over time for your child’s marriage goals.

Published: 5 June 2022

7 MIN READ


<p>This post discusses how various agents pitch financial products to investors and how many of these products may not suit the investors’ goals.</p>
Choosing Investments Insurance
The agency problem in personal finance. What should you do?

This post discusses how various agents pitch financial products to investors and how many of these products may not suit the investors’ goals.

Published: 27 April 2022

10 MIN READ


<p>This article shows the steps NRIs can take to easily manage their family’s finances in India.</p>
NRI Choosing Investments
How can NRIs easily manage their parents’ finances in India?

This article shows the steps NRIs can take to easily manage their family’s finances in India.

Published: 7 April 2022

14 MIN READ


<p>This article shows what steps investors should take in April at the beginning of the financial year.</p>
Choosing Investments Tax
How should you plan your investments and taxes in April?

This article shows what steps investors should take in April at the beginning of the financial year.

Published: 1 April 2022

13 MIN READ


<p>A recent innovation by the NSE now allows resident Indians to buy US stocks directly from broker accounts. Should you invest?</p>
News Choosing Investments
NSE IFSC: trade in US stocks from your Indian broker account

A recent innovation by the NSE now allows resident Indians to buy US stocks directly from broker accounts. Should you invest?

Published: 4 March 2022

11 MIN READ


<p>The standard advice given to investors is to match their goal duration with the portfolio duration in the case of the debt component. But, is that the right thing to do?</p>
Portfolio Construction Choosing Investments
Should you match debt portfolio duration with goal duration?

The standard advice given to investors is to match their goal duration with the portfolio duration in the case of the debt component. But, is that the right thing to do?

Published: 13 February 2022

17 MIN READ


<p>There are multiple target maturity debt funds in the market with gilt, SDL, PSU and CPSE bond exposures. Who should invest?</p>
Choosing Investments
Who should invest in target maturity debt funds?

There are multiple target maturity debt funds in the market with gilt, SDL, PSU and CPSE bond exposures. Who should invest?

Published: 20 January 2022

11 MIN READ


<p>This post sifts through 38 options to find the best ELSS funds for investing in 2022.</p>
Choosing Investments Tax Mutual Funds
What are the best tax-saving ELSS Mutual Funds in 2022?

This post sifts through 38 options to find the best ELSS funds for investing in 2022.

Published: 1 January 2022

7 MIN READ


<p>This article will help investors know what to look for when choosing a gold mutual fund to take exposure to gold as a part of their portfolio.</p>
Choosing Investments Gold Mutual Funds
How to choose a gold mutual fund?

This article will help investors know what to look for when choosing a gold mutual fund to take exposure to gold as a part of their portfolio.

Published: 26 December 2021

6 MIN READ


<p>This article will answer a common question from conservative investors with a low-risk appetite and a desire to get better returns than FD.</p>
Choosing Investments
Can you get higher than FD returns with low risk?

This article will answer a common question from conservative investors with a low-risk appetite and a desire to get better returns than FD.

Published: 23 December 2021

12 MIN READ


<p>The recent bull market rally in US markets is generating a lot of interest in US stocks. How should you invest?</p>
Choosing Investments International Investing
What is the best way to invest in US stocks?

The recent bull market rally in US markets is generating a lot of interest in US stocks. How should you invest?

Published: 12 December 2021

7 MIN READ


<p>If you have decided how much you need to save for your downpayment, this post will show you where to invest.</p>
Choosing Investments House Purchase Real Estate
Where to save for the downpayment of a home?

If you have decided how much you need to save for your downpayment, this post will show you where to invest.

Published: 4 December 2021

4 MIN READ


<p>This post shows investors in which situations they should invest in FD vs other products like mutual funds.</p>
Portfolio Construction Choosing Investments Mutual Funds
Mutual Fund vs Fixed Deposit - where should you invest?

This post shows investors in which situations they should invest in FD vs other products like mutual funds.

Published: 28 October 2021

12 MIN READ


<p>This post will help parents to cut through multiple confusing product choices to get started with investing for their children.</p>
Choosing Investments Children
Should you invest in stocks, mutual funds, PPF and Sukanya Samriddhi for children?

This post will help parents to cut through multiple confusing product choices to get started with investing for their children.

Published: 17 October 2021

11 MIN READ


<p>This post explores the pros and cons of keeping money only in fixed income throughout retirement</p>
Retirement Choosing Investments Pension
Can you retire by keeping money only in FD or pension?

This post explores the pros and cons of keeping money only in fixed income throughout retirement

Published: 18 August 2021

7 MIN READ


<p>This post describes suitable debt instruments for both pre and post-retirement investing: Provident fund, PPF, Sukanya Samriddhi, FD/RD, NCD, pension plans, RBI bonds, post office and SCSS.</p>
Retirement Choosing Investments Pension
How to choose debt instruments for retirement?

This post describes suitable debt instruments for both pre and post-retirement investing: Provident fund, PPF, Sukanya Samriddhi, FD/RD, NCD, pension plans, RBI bonds, post office and SCSS.

Published: 29 July 2021

12 MIN READ


<p>Closet indexing can a problem for investors in active funds. Here’s how you can detect it.</p>
Choosing Investments
Closet indexing: how to avoid funds that do this

Closet indexing can a problem for investors in active funds. Here’s how you can detect it.

Published: 24 June 2021

5 MIN READ


<p>Investors should only invest in the Direct Growth plans of mutual funds. Regular and IDCW (Dividend) funds lead to lower returns. Here’s why.</p>
Choosing Investments Mutual Funds
Do not make this mistake when investing in mutual funds

Investors should only invest in the Direct Growth plans of mutual funds. Regular and IDCW (Dividend) funds lead to lower returns. Here’s why.

Published: 15 June 2021

10 MIN READ


<p>A core-satellite portfolio combines two different portfolio styles to give the best of both worlds.</p>
Choosing Investments
What is a core-satellite portfolio and when can you use it?

A core-satellite portfolio combines two different portfolio styles to give the best of both worlds.

Published: 13 June 2021

3 MIN READ


<p>These are characteristics of assets that determine which are suitable for a goal.</p>
Choosing Investments
RRTTLLU: check these when choosing products for investing

These are characteristics of assets that determine which are suitable for a goal.

Published: 9 June 2021

7 MIN READ


<p>Once goals are set, use this framework to choose mutual funds</p>
Choosing Investments Mutual Funds
Which funds should I invest in?

Once goals are set, use this framework to choose mutual funds

Published: 8 June 2021

3 MIN READ


<p>Choose a debt mutual fund without breaking your head over it.</p>
Choosing Investments Mutual Funds
How to choose a debt mutual fund?

Choose a debt mutual fund without breaking your head over it.

Published: 14 April 2021

17 MIN READ



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Asset Allocation (21) Basics (8) Behaviour (12) Budgeting (12) Calculator (25) Case Study (6) Children (17) Choosing Investments (40) FAQ (12) FIRE (13) Gold (21) Health Insurance (5) House Purchase (29) Insurance (16) International Investing (12) Life Stages (2) Loans (17) Market Data (7) Market Movements (16) Mutual Funds (46) NPS (7) NRI (19) News (18) Pension (8) Portfolio Construction (52) Portfolio Review (27) Reader Questions (8) Real Estate (7) Research (5) Retirement (38) Review (15) Risk (6) Safe Withdrawal Rate (5) Set Goals (28) Step by step (15) Tax (59)