Mutual Funds Strategy 118: Accumulation Consolidation Distribution (ACD) Calculator

You might already be familiar with the SIP, lumpsum, or the SWP calculator. If not, today would be a good day to start learning about them. SIP calculator will show you how much will be your portfolio value if you continue investing for a period. Example: Monthly Investment: Rs20000 Tenure: 20 years Assumed Returns: 13%…

Mutual Funds Strategy 117: Disciplined Investing for Business Owners

You are already aware that the most disciplined investment instrument is the SIP (Systematic Investment Plan). SIP has single-handedly created the maximum crorepathis in India even without their knowledge. Just imagine, someone made a standing instruction to debit an amount from their bank account and invest in mutual funds, which are sitting at massive returns…

Mutual Funds Strategy 116: The Importance of Having 5 Lakhs in Your Savings Account.

There are only three things that you could ever do with money — Spend Save Invest You might have made a long list of items to do when you have money, but at the end of the day, it either falls into one of these 3 buckets, and this is the same for everyone in…

Mutual Funds Strategy 115: Will 3 Crores Be Enough For Retirement?

What would be your ideal retirement corpus? When I ask this question to my clients, the responses are usually surprising. Most of them overestimate what they could do in 1 year and underestimate what they could do in 15. In my opinion, an upper middle-class Indian household would require 3 crores to retire financially independent….

13 Mar 2025–2 supports broken, stance revised to bearish + Nifty PostMortem

Nifty Stance Bearish ⬇ In last week’s analysis, we had gone neutral, but that did not turn out to be a good decision. Friday 7th March, we held our ground, but Monday 10th, we broke the 22519 support. Tuesday the 11th, we started with a gap down and significantly below the 22453 support, but the…

06 Mar 2025 — Superb 565pts recovery, stance is now neutral. 22519 crucial + Nifty PostMortem

Nifty Stance Neutral ➡ Friday 28th February, was amazing. We opened the day directly below two support levels 22519 and 22453. It was quite clear the direction was going to be downward as the momentum was in favor of the Bears. By Monday, the 3rd March, we broke the 22051 support as well. This was…

Impact of taxation on Mutual Funds and Stocks

We had a golden period from 2004 to 2018 wherein the capital gains were exempted from taxes. Arun Jaitley – Finance Minister(then), re-introduced long-term capital gains (LTCG) in 2018 to squeeze out additional revenues for the central government. LTCG was 10% then and is currently 12.5%. FIIs vs Indian retail investors Capital markets react inversly…

പുതിയ ബഡ്ജറ്റ് നമ്മുടെ ഇൻവെസ്റ്റ്മെന്റ് തീരുമാനങ്ങളെ ബാധിക്കുമോ?

ഫെബ്രുവരി ഒന്നാം തീയതി അവതരിപ്പിച്ച യൂണിയൻ ബഡ്ജറ്റിൽ ആദായനികുതിയിൽ വളരെ ഗണ്യമായ മാറ്റങ്ങളാണ് വരുത്തിയിരിക്കുന്നത്. 12.75 ലക്ഷം പ്രതിവർഷം വരുമാനമുള്ളവർക്ക് ഒരു രൂപ പോലും ടാക്സ് അടക്കേണ്ടതില്ല. ഇതിൽ കുറച്ച് നിബന്ധനകൾ ഉണ്ട്. 87A റിബേറ്റ് വഴിയാണ് ഒരു ഉപഭോക്താവിന് ഈ പ്രയോജനം കിട്ടുന്നത്. അതായത് പുതിയ സ്ലാബ് പ്രകാരം നിങ്ങൾക്ക് ടാക്സ് വരുന്നുണ്ട് പക്ഷേ റിബേറ്റ് ഉപയോഗിച്ച് അത് ഓഫ്സെറ്റ് ആകുന്നു. നിങ്ങളുടെ വരുമാനം 12 ലക്ഷമാണെന്ന് വിചാരിക്കുക, ഇതിൽ ടാക്സ് കണക്കാക്കുന്നത് ഇങ്ങനെ. Tax…