Keep your face always
towards the sunshine...and shadows will fall behind you. - Walt Whitman

Articles on Intellectual Investing from

Corona virus – what to do with your portfolio now

Posted 1 week ago

Be Fearful When Others Are Greedy and Greedy When Others Are Fearful. Warren BuffettAs I write this post, we are in the middle of a ‘Janata curfew’ – a voluntary lockdown in the entire country, initiated by Prime Minister Modi to impose social distancing on the entire population. That and washing hands frequently are the only two weapons we have against this global pandemic at the moment. This virus is unlike anything that humankind has ever seen before. It spreads so rapidly that it can overwhe......... Read the complete article

Do not mix Insurance with Investments

Posted 4 weeks ago

We are into the month of March – the last month of the current financial year. Tax planning is now uppermost on the mind of those who feel this is their last chance to save some income tax for the year. This urge to save taxes makes them highly gullible to the pointed sales pitch of ever available and savvy insurance agents who are on the prowl to ratchet up sales of their insurance products (endowment plans, savings plan, ULIPS, etc) in the guise of saving taxes for their clients. The lure is t......... Read the complete article

Insurance vs Investment

Posted 1 month ago

We are into the month of February, the eleventh month of the financial year which spans from April to March. Historically the last three months of the financial year, i.e. Jan to March, have seen an increased demand for Insurance products in India. This is because the premium paid for Insurance products qualify for a tax deduction under section 8C of the Income Tax act up to an annual limit of Rs 15,. This is quite liberal a limit for most Indians where the average annual per capita income is on......... Read the complete article

2019 - Letter to Clients

Posted 2 months ago

After a lackluster 218, 219 turned out to be another difficult year in the stock markets for Indian investors. Here is how the year panned out for various asset classes during the year. Asset class 219 return Gold 23.8 PPF 7.9 NSC 7.9 Debt ultra short 6.92 Post office 3-year deposit 6.9 Debt Liquid 6.32 Fixed deposit (1-3 years) 6.25 Nifty 5 12.2 Nifty Midcap 1 -4.32 Nifty Smallcap 1 -9.53 icAdvisor average -2.84 No one could have guessed it at the star......... Read the complete article

Do you know your fund’s TER?

Posted 6 months ago

Like a growing number of Indian investors, you most likely invest in Mutual Funds on a regular basis. You are also perhaps aware that Mutual Funds charge a certain percentage of their Assets under Management (AUM) for managing the fund. This expense is known as the Total Expense Ratio (TER) and it is a number regulated by SEBI. The maximum TER that funds can charge as management fees depends on the size and type of the fund, as shown below: AUM slab (Rs cr) Equity oriented schemes – max TE......... Read the complete article