Arthagyan Financial Advisory
Fee-only financial planner and investment adviser
13/05/2022
A chiiling video on how some brokers are indulging in fraud to increase their business. Investors beware!
How Brokers Sidestep SEBI Rules To Rip-off Investors: Now Targeting Super Senior Citizens During the two years of the Covid pandemic, India’s investor population almost doubled. Brokers used this boom during the lock-down to lure and loot people w...
04/11/2021
Wishing everyone a very happy and prosperous Diwali!
The success of my work is judged by my clients. This client who is a single mother has the confidence to manage her investments. She has written a wonderful article on personal finance. https://medium.com//why-is-financial-literacy-important-for-everyone-c89345f8c0ea
05/10/2021
22/07/2021
Mfutility is owned by AMCs and supports direct plan investment in all schemes of mutual funds
About us About Us
14/07/2021
I read the book by Monika Halan a few years back. I regard this book as one of the best books on personal finance by an Indian author. Her style is very simple and to the point. She starts every chapter with an example which helps us to relate easily with the topic she discusses. This is the second blog post by Sanjana Choradia....
https://arthagyan.com/book-review-lets-talk-money/
Book review – Let’s talk Money I read the book by Monika Halan a few years back. I regard this book as one of the best books on personal finance by an Indian author. Her style is very simple and to the point. She starts every ch…
15/06/2021
The dilemma of financing higher education
The dilemma of financing higher education Higher education in the best universities of the world is a dream for many of our children today. While the US and UK have been the sought after destinations for higher education, there are several…
04/05/2021
Thank you for the feedback. Thank you to Pattu for taking the time to collate the feedback!
https://freefincal.com/685-investors-rate-their-experience-with-sebi-registered-fee-only-advisors/
685 investors rate their experience with SEBI registered fee-only advisors We had recently surveyed clients of SEBI registered fee-only investment advisors and obtained 685 responses. These are the results and a discussion of key
22/03/2021
Happy to share this timely writeup on PPF by senior planner and mentor, Melvin Joseph
https://www.finvin.in/public-provident-fund-ppf-evergreen-investment-option/
Public Provident Fund (PPF) – An evergreen investment option for all - Certified Financial Planner In Navi Mumbai | CFP In Mumbai Few months ago an elderly couple came to me for financial planning. The husband is 60 years and wife is 57 years old. Their children are well settled in their lives. They need retirement planning. They wanted to provide Rs. 50,000 per month for their retired life. Assuming life expectancy of 85, the...
18/03/2021
Last-minute tax saving options you can explore You should consider investments and expenses such as employees provident fund, life insurance premium, tution fees, home loan principal repayment etc
15/02/2021
My article on EPF withdrawal is published in freefincal.com https://freefincal.com/should-i-withdraw-from-epf-if-i-resign-or-retire-early/
Should I withdraw from EPF if I resign or retire early? How should funds in EPF be handled If we wish to quit our job and become self-employed or resign a few years before normal retirement or wish to retire
03/02/2021
A friend called me today with this question "I am checking my investment in a mutual fund. The NAV shown in the AMC website is different from the NAV shown in Zerodha coin app. Why is this difference?" I explained to him that his investment is probably in a regular plan which is why the AMC website shows a lower NAV compared to the Direct plan NAV displayed in the Coin App....
https://arthagyan.com/what-is-the-cost-of-free-advise/
What is the cost of free advise? A friend called me today with this question “I am checking my investment in a mutual fund. The NAV shown in the AMC website is different from the NAV shown in Zerodha coin app. Why is this di…
28/01/2021
Know what you should do if your portfolio underperforms markets An investor's portfolio return can differ from that of the overall market due to asset allocation. Your returns will depend on how much you have allocated to equities and debt and other asset classes such as gold
31/12/2020
Wishing you and your family a very happy new year! As we all celebrate to welcome the new year, let us focus on our well being. The year 2020 has taught us lessons of a lifetime. The importance of emotional health. When can we have good emotional health? Only when our family is healthy and safe. Our family is the biggest asset we have....
https://arthagyan.com/happy-new-year-2021/
Happy new year 2021! Wishing you and your family a very happy new year! As we all celebrate to welcome the new year, let us focus on our well being. The year 2020 has taught us lessons of a lifetime. The importance of …
09/12/2020
What are Gilt funds? Mutual funds which invest only in Government of India bonds are Gilt funds. These bonds are highly liquid and are free from default risk as the government can always print rupees at will. Gilt funds have been in existence for over 20 years. Before we get into the topic of this article, if you are interested in the financial planning service that I offer, please check out ...
https://arthagyan.com/gilt-funds-have-performed-very-well-can-i-invest-now/
Gilt funds have performed very well, can I invest now? What are Gilt funds? Mutual funds which invest only in Government of India bonds are Gilt funds. These bonds are highly liquid and are free from default risk as the government can always print rupe…
03/12/2020
There seems to be a sudden interest in Dividend yield funds. This could be due to the New fund offer from HDFC Dividend yield fund. What is special about this category? is it worth investing in it? Let us find out. Before we get into the topic of this post, you can check out fee-only financial planning if you are interested in the financial planning service that I offer....
https://arthagyan.com/dividend-yield-funds-should-i-invest-in-it/
Dividend Yield funds: Should I Invest in it? There seems to be a sudden interest in Dividend yield funds. This could be due to the New fund offer from HDFC Dividend yield fund. What is special about this category? is it worth investing in it?…
30/11/2020
https://freefincal.com/how-should-senior-citizens-invest-in-2020/
How should senior citizens invest in 2020 As interest rates fall, the economy in doldrums, equity markets uncertain, debt funds scary and the safety of at least some banks questionable, senior
13/11/2020
Wishing you all a very happy and prosperous Diwali/Deepavali! Let this festival of lights give us freedom from the virus which has plagued our lives for the past 8 months! Let us get light after so many months of darkness and staying at home fearing for the virus! It is time to take stock of the the investment space from last Diwali to this Diwali....
https://arthagyan.com/review-of-largecap-funds-this-diwali/
Review of Largecap funds this Diwali Wishing you all a very happy and prosperous Diwali/Deepavali! Let this festival of lights give us freedom from the virus which has plagued our lives for the past 8 months! Let us get light after so…
06/08/2020
I am happy to share that I am featured in Relakhs.com.
https://www.relakhs.com/top-fee-only-financial-planners-india/
My list of Popular Fee-only Financial Planners in India (Part-4) Top Fee-only Financial Planners based on my interactions & observations....
03/08/2020
The Richbudget show host Robin Arya invited me as expert speaker on Retirement planning. Here is the youtube video
https://youtu.be/Lp6ynOP2Lrc
The RichBudget Show | Retirement Planning | Expert Talk | Sriram Jayaraman The RichBudget Show | Retirement Planning | Expert Talk | Sriram Jayaraman In this video of 'The RichBudget Show' Expert series, we have with us Mr. Sriram J...
25/06/2020
Last week, I was pleasantly surprised to get a call from a corporate entity. The request from the caller was to conduct a financial planning session for their employees who are nearing retirement. The parameters given to me was that their employees (between 10 and 15) were retiring in the near future and would be interested in a customized presentation for them. [ 131 more words ]
https://arthagyan.com/presentation-for-employees-of-a-company-nearing-their-retirement/
Presentation for employees of a company nearing their retirement - Arthagyan Financial Adviser Last week, I was pleasantly surprised to get a call from a corporate entity. The request from the caller was to conduct a financial planning session for their employees who are nearing retirement. The parameters given to me was that their employees (between 10 and 15) were retiring in the near futur...
7.75% GOI bonds, one of the safest bonds will be closed for new investments by end of day today!
19/05/2020
My personal investing experience is published as part of this writeup in livemint
https://www.livemint.com/money/personal-finance/can-your-fire-dreams-get-past-the-covid-19-impact/amp-11589819859075.html
Can your FIRE dreams get past the covid-19 impact? The FIRE (financially independent and retire early) community finds itself in a fix.To be financially independent, have a strong debt investment cushion to absorb the impact of a crisis like this one
11/05/2020
What is Sovereign Gold Bond? Sovereign Gold Bond or SGB is a bond issued by RBI. It has a maturity duration of 8 years and pays 2.5% per annum interest paid half yearly. There is an early redemption option provided at the end of 5th, 6th and 7th years. It can be traded on the stock exchanges without any restriction from the date of allotment. [ 1,010 more word ]
https://arthagyan.com/sovereign-gold-bonds-all-you-need-to-know/
Sovereign Gold Bonds - all you need to know - Arthagyan Financial Adviser What is Sovereign Gold Bond? Sovereign Gold Bond or SGB is a bond issued by RBI. It has a maturity duration of 8 years and pays 2.5% per annum interest paid half yearly. There is an early redemption option provided at the end of 5th, 6th and 7th years. It can be traded on the … Sovereign Gold Bond...
25/04/2020
COVID-19 has created a first big impact in the Debt mutual funds space. Franklin Templeton had announced a closure of 6 of its debt funds. The closed funds are below: Franklin India Low Duration Fund Franklin India Ultra Short Bond Fund Franklin India Short Term Income Plan Franklin India Credit Risk Fund Franklin India Dynamic Accrual Fund Franklin India Income Opportunities Fund… [ 461 more words ]
https://arthagyan.com/franklin-templeton-has-closed-6-debt-funds-all-you-need-to-know/
Franklin Templeton has closed 6 debt funds - all you need to know - Arthagyan Financial Adviser COVID-19 has created a first big impact in the Debt mutual funds space. Franklin Templeton had announced a closure of 6 of its debt funds. The closed funds are below: An investor cannot redeem any of the units from the date of closure. The official notification from the AMC is here. Franklin is one....
Franklin Templeton mutual fund has decided to close 6 of its mutual funds
https://www.franklintempletonindia.com/downloadsServlet/pdf/notice-of-winding-up-final-230420-k8lf815l
The next steps as per my understanding are:
1. The AMC will contact investors and request for approval to close the funds
2. The AMC will try to sell securities for which reasonable value is obtained
3. For the rest of the securities, the AMC will wait for the issuer to replay the interest and principal
4. The money is likely to be returned to investors as and when the money comes to the AMC
01/04/2020
What is the EMI Moratorium? RBI has offered a moratorium on all the loans such as Home loan, vehicle loan, credit card outstanding and all other loan repayments. Under this, you as a loan customer of bank can opt for not paying your EMI for a period of 3 months between 1st April 2020 and 30th June 2020. This is mainly to help people who may have job loss or loss of income due to the COVID-19 related lockdown. [ 226 more words ]
https://arthagyan.com/should-i-opt-for-the-emi-moratorium/
Should I opt for the EMI moratorium? - Arthagyan Financial Adviser What is the EMI Moratorium? RBI has offered a moratorium on all the loans such as Home loan, vehicle loan, credit card outstanding and all other loan repayments. Under this, you as a loan customer of bank can opt for not paying your EMI for a period of 3 months between 1st April 2020 and … Should ...
31/03/2020
Interest rates on PPF and all small savings schemes are reduced drastically. PPF will return 7.1% (earlier 7.9%). This is applicable for April to June 2020
22/03/2020
https://freefincal.com/tax-loss-harvesting/
How to use MF, stock losses to reduce your tax burden (tax-loss harvesting) Investors can legally reduce their tax liability from capital gains by exploiting recent losses in stocks, equity or non-equity mutual funds
29/02/2020
My son who is 14 years old, broke his leg when he fell from his bicycle. He was in a lot of pain. I took him to the ortho doctor and got him a cast. When the doctor told that he cannot put any weight on the casted foot for 4 weeks, my son's heart sank. How will he manage with his life for the next 4 weeks? [ 556 more words ]
https://arthagyan.com/how-to-deal-with-stock-market-volatililty/
How to deal with stock market volatililty? - Arthagyan Financial Adviser My son who is 14 years old, broke his leg when he fell from his bicycle. He was in a lot of pain. I took him to the ortho doctor and got him a cast. When the doctor told that he cannot put any weight on the casted foot for 4 weeks, my son’s heart … How to deal with stock market volatililty? Read...