GoodMoneying

Income tax Deductions List 20-21 (AY 21-22) – Infographics

78844pwpadmin — Fri, 05 Jun 2026 10:17:03 +0000

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My Care Enhance Claim Experience: A Super Top-Up Reality Check

Manikaran Singal — Fri, 15 May 2026 11:29:26 +0000

Disclosure: This article reflects my personal experience as a policyholder managing a family claim under Care Health Insurance’s Enhance Super Top-Up policy. The matter is currently pending before the Insurance Ombudsman. The purpose of this article is not to arrive at a legal conclusion against the insurer, but to raise consumer awareness around product understanding, […]

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The Market Will Always Scare You. Invest Anyway.

Manikaran Singal — Tue, 14 Apr 2026 08:46:24 +0000

A long-term investing guide to overcoming the 5 biggest investing fears — answered by data. THE TWO INVESTORS WE ALL KNOW Not long ago, we sat across from a prospective client, let’s call him Akshay; a man in his late 40s who had been watching the markets carefully for years. He was sharp, well-read, and […]

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New Tax Regime or Old — The Answer Depends on More Than Just Tax Slabs

Manikaran Singal — Wed, 08 Apr 2026 12:54:37 +0000

Choosing between India's old and new tax regime in FY 2025–26 is not about which regime has better rates or more deductions. It is about which one fits how your financial life is actually structured. This article walks through three real salary situations — ₹12 lakh, ₹25 lakh, and ₹50 lakh — and explains why the right answer is genuinely different for each person.

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Reasonability: The Missing Link in Financial Planning

Manikaran Singal — Fri, 20 Mar 2026 08:39:26 +0000

Sometimes the best financial decisions aren’t always the most logical ones While reading about Harry Markowitz, the economist who won a Nobel Prize for explaining the tradeoff between risk and return, I came across something fascinating. Markowitz mathematically proved how investors should build portfolios. He gave the world the formula for optimal diversification. But when […]

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Why Chasing High Returns Often Hurts Investors

Manikaran Singal — Fri, 27 Feb 2026 10:16:01 +0000

A few weeks ago, a client sent me a screenshot. It was a chart of a fund that had delivered impressive returns over the last three years. The numbers looked mouth-watering. The message was simple: “Why don’t we have this in my portfolio?” We spoke. I explained cycles. I explained diversification. I explained that trailing […]

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The Wisdom of Deciding Less in a Noisy Financial World

Manikaran Singal — Tue, 10 Feb 2026 10:53:39 +0000

Roshan works with a multinational company. He is intelligent, well-read, and genuinely interested in managing his money better. Like many professionals today, he believes that with enough effort and curiosity, personal finance can be handled independently. For the last five years, Roshan has been investing on his own. He researched regularly—or at least what he […]

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Union Budget 2026 – What It Means For Personal Finances

Manikaran Singal — Mon, 02 Feb 2026 08:09:00 +0000

Every Union Budget is first read as a list of numbers—tax rates, allocations, deficits, and headline announcements. But once the noise settles, what truly matters is how these decisions quietly shape our day‑to‑day money choices. The Budget presented this year does not shout populism or dramatic relief. Instead, it leans towards continuity, discipline, and incremental […]

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25 Questions for NRIs to think for proper Estate Planning In India

Manikaran Singal — Tue, 09 Dec 2025 11:52:15 +0000

Estate planning for NRIs with roots in India essentially involves creating a clear and workable plan for what should happen to your Indian and overseas assets, family responsibilities, and tax exposures in the event of your death or incapacity. In simple terms, estate planning is about organising: And you do this through tools like Wills, […]

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Is Recession Coming?A Fear That Feels Bigger Than the Word Itself

Manikaran Singal — Tue, 18 Nov 2025 12:51:45 +0000

For the past many months, a familiar question has been travelling through almost every conversation I’ve had. Clients bring it up during reviews. Prospects raise it even before discussing their goals. Friends mention it casually, almost as if they are asking about the weather. The tone is always the same, part curiosity, part worry, part […]

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Coping with Uncertainty: A Financial Planner’s View on the New-Age Anxiety

Manikaran Singal — Fri, 07 Nov 2025 05:58:33 +0000

A few years ago, the word uncertainty was mostly reserved for those nearing midlife, people who had seen enough career ups and downs to know that stability is often an illusion.But today, even the young professionals, freshly out of college or just a few years into their jobs, are talking about job anxiety, layoffs, and […]

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From Financial Independence to Financial Freedom — The Journey within

Manikaran Singal — Thu, 14 Aug 2025 05:59:46 +0000

Estimated reading time: 7 minutes It’s that time of year again — Independence Day. A time when we celebrate freedom, reflect on what it means to live on our terms, and in recent years, a moment where conversations often revolve around freedom of speech, freedom of choice, and freedom to design life the way we […]

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Income or Expenses – What matters more for your Financial wellbeing?

Manikaran Singal — Thu, 31 Jul 2025 12:06:40 +0000

It’s Not Your Income That Builds Wealth. It’s What You Spend. Last month, I met a gentleman in his mid-40s. Well-dressed, articulate, and successful by most people’s standards. He worked in a multinational company and earned a handsome package—over ₹50 lakhs a year. His wife was also working, bringing in another ₹20 lakhs annually. With […]

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Interview Yourself: Can You Handle What Life May Ask Next?

Manikaran Singal — Mon, 21 Jul 2025 08:03:11 +0000

It’s not just an interview question. It’s a life question. “Where do you see yourself 10 years from now?” Most of us have heard this in a job interview. And let’s be honest—most of us have also rehearsed a confident, well-structured answer. We talk about climbing the ladder, managing teams, achieving some designation, starting something […]

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