Jagoinvestor https://www.jagoinvestor.com/ Making Investors live a great financial life Wed, 15 Oct 2025 11:24:44 +0000 en-US hourly 1 https://www.jagoinvestor.com/wp-content/uploads/files/cropped-logo-1-1-e1516894985184-32x32.png Jagoinvestor https://www.jagoinvestor.com/ 32 32 141670907 6 Key Changes in EPF rules (Old vs New Rules) https://www.jagoinvestor.com/2025/10/epf-changes-oct-2025.html https://www.jagoinvestor.com/2025/10/epf-changes-oct-2025.html#comments Wed, 15 Oct 2025 11:24:44 +0000 https://www.jagoinvestor.com/?p=87309 In this article, let’s decode the 6 key changes in EPF 3.0, comparing the Old Rules vs New Rules, and understand what they mean for you. Change 1 : Simplification of Withdrawal Reasons Earlier, there were as many as 13 different reasons for which you could withdraw from your EPF account such as marriage, education, […]

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]]> https://www.jagoinvestor.com/2025/10/epf-changes-oct-2025.html/feed 11 87309 GST Big Reforms: How Consumers and Investors Benefit https://www.jagoinvestor.com/2025/09/gst-reforms.html https://www.jagoinvestor.com/2025/09/gst-reforms.html#respond Thu, 04 Sep 2025 11:38:52 +0000 https://www.jagoinvestor.com/?p=87287 India has finally witnessed a landmark change in the GST regime. After years of debate, the complicated structure of multiple GST slabs has been streamlined by govt. The new structure will now have only two main slabs – 5% and 18%. Additionally, a 40% slab exists but is largely meant to discourage luxury/penalty-category consumption and […]

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]]> https://www.jagoinvestor.com/2025/09/gst-reforms.html/feed 0 87287 Don’t Chase Financial Freedom with Misery https://www.jagoinvestor.com/2025/08/extreme-financial-freedom.html https://www.jagoinvestor.com/2025/08/extreme-financial-freedom.html#comments Tue, 05 Aug 2025 07:43:19 +0000 https://www.jagoinvestor.com/?p=87246 In recent years, the concept of FIRE (Financial Independence, Retire Early) has gained massive popularity. The idea of breaking free from the 9-to-5 grind and living life on your own terms is inspiring, and rightly so. We believe that the pursuit of financial freedom is a goal worth striving for. However, somewhere along the way, […]

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]]> https://www.jagoinvestor.com/2025/08/extreme-financial-freedom.html/feed 6 87246 The Trap of Illiquid Wealth https://www.jagoinvestor.com/2025/07/trap-of-illiquid-wealth.html https://www.jagoinvestor.com/2025/07/trap-of-illiquid-wealth.html#respond Tue, 08 Jul 2025 05:59:16 +0000 https://www.jagoinvestor.com/?p=87234 Many people unknowingly fall into a wealth trap that looks like success—but feels like suffocation. They keep investing in places where their money gets stuck—real estate that can’t be sold easily, long-term instruments with rigid lock-ins, complicated schemes that block access during emergencies, or businesses where money is tied up indefinitely. On paper, it feels […]

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]]> https://www.jagoinvestor.com/2025/07/trap-of-illiquid-wealth.html/feed 0 87234 Top 10 reasons why your income is not rising at workplace? https://www.jagoinvestor.com/2025/06/no-income-hike.html https://www.jagoinvestor.com/2025/06/no-income-hike.html#respond Tue, 24 Jun 2025 11:22:02 +0000 https://www.jagoinvestor.com/?p=87196 One of the most important factors of having a good financial life is a good and rising income. To create wealth, you need to constantly invest money and grow it over the years — but that journey begins with a solid income that keeps increasing meaningfully. However, many of the people we work with often […]

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]]> https://www.jagoinvestor.com/2025/06/no-income-hike.html/feed 0 87196 Present Bias Trap – Why Some People Never Build Wealth (part 2) https://www.jagoinvestor.com/2025/05/present-bias-trap.html https://www.jagoinvestor.com/2025/05/present-bias-trap.html#respond Mon, 26 May 2025 10:29:28 +0000 https://www.jagoinvestor.com/?p=87138 Why do smart people make dumb financial choices? I sometimes wonder why people can’t foresee how their financial future will look? Don’t people know that there will be a day when the paycheck will stop? Don’t they realize that one day they might become obsolete, physically or professionally? That their health will decline? That emergencies […]

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]]> https://www.jagoinvestor.com/2025/05/present-bias-trap.html/feed 0 87138 Casualness Trap – Why Some People Never Build Wealth (part 1) https://www.jagoinvestor.com/2025/05/casualness-trap.html https://www.jagoinvestor.com/2025/05/casualness-trap.html#comments Sat, 10 May 2025 12:58:24 +0000 https://www.jagoinvestor.com/?p=87113 Meet Rahul: 35 years old, ₹1.2 lakh monthly salary, ₹3 lakh in credit card debt, ₹16 lakh personal loan, and zero assets. From the outside, he’s the picture of middle-class success – nice apartment, latest smartphone, weekend brunches. But peel back the Instagram filter, and you’ll find a financial time bomb ticking. I am sure […]

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]]> https://www.jagoinvestor.com/2025/05/casualness-trap.html/feed 2 87113 7 Key Reasons to Achieve Financial Freedom by 45 https://www.jagoinvestor.com/2025/04/financial-freedom-by-45.html https://www.jagoinvestor.com/2025/04/financial-freedom-by-45.html#respond Mon, 28 Apr 2025 09:22:47 +0000 https://www.jagoinvestor.com/?p=87096 Financial stress is at an all-time high in India, and this is evident from the increasing popularity of terms like FIRE (Financial Independence, Retire Early). People are worried about their financial security and are struggling to save as much as they should. Retirement used to be the big goal that everyone aimed for, but today […]

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]]> https://www.jagoinvestor.com/2025/04/financial-freedom-by-45.html/feed 0 87096 ITC – The Mega Demerger! https://www.jagoinvestor.com/2025/01/itc-the-mega-demerger.html https://www.jagoinvestor.com/2025/01/itc-the-mega-demerger.html#respond Tue, 14 Jan 2025 08:44:37 +0000 https://www.jagoinvestor.com/?p=87030 Over the past couple of years, ITC (read as Indian Tobacco Company) has been in the news, as it moves to demerge the hotel business from other core operations of the company. For retail investors like you and me, this is a mega event because ITC is a behemoth and when they decide to separate […]

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]]> https://www.jagoinvestor.com/2025/01/itc-the-mega-demerger.html/feed 0 87030 11 Superpowers of Investors (The Secrets to Financial Success) https://www.jagoinvestor.com/2024/08/investors-superpowers.html https://www.jagoinvestor.com/2024/08/investors-superpowers.html#comments Tue, 27 Aug 2024 05:43:57 +0000 https://www.jagoinvestor.com/?p=86969 What superpower do you have as an investor? When we think of the word “superpower,” we often picture iconic figures like Superman or Batman—individuals with extraordinary abilities that set them apart from the rest. But in the world of investments, superpowers aren’t confined to a select few; they are qualities or circumstances that give us […]

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]]> https://www.jagoinvestor.com/2024/08/investors-superpowers.html/feed 2 86969 Why it’s Hard to Create the first Rs 1 CR? https://www.jagoinvestor.com/2024/07/first-1-cr.html https://www.jagoinvestor.com/2024/07/first-1-cr.html#comments Wed, 03 Jul 2024 09:38:50 +0000 https://www.jagoinvestor.com/?p=86911 Dear “1 crore” aspirant, This is Nandish Desai from Jagoinvestor.com. If you’ve chosen to read this article, I assume you are serious about creating your first one crore. If you have already crossed the one-crore mark, this article can still provide insights for achieving your next financial milestone. This article is written in a coaching […]

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]]> https://www.jagoinvestor.com/2024/07/first-1-cr.html/feed 12 86911 Rs 3.5 Lacs to Rs 400 Cr – Naturals Ice-cream Journey of 40 yrs! https://www.jagoinvestor.com/2024/05/naturals-icecream-growth-story.html https://www.jagoinvestor.com/2024/05/naturals-icecream-growth-story.html#comments Thu, 23 May 2024 04:55:06 +0000 https://www.jagoinvestor.com/?p=86853 You must have surely had an ice cream at Naturals! But have you taken any inspiration from its story for your own financial journey? Today I want to give tribute to Mr. Kamath for building Naturals Ice Cream and share some interesting numbers and their overall journey of building a Rs 400 Cr brand. This […]

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]]> https://www.jagoinvestor.com/2024/05/naturals-icecream-growth-story.html/feed 7 86853 My EPF Transfer Journey : Lessons Learned https://www.jagoinvestor.com/2024/04/my-epf-transfer-journey-lessons-learned.html https://www.jagoinvestor.com/2024/04/my-epf-transfer-journey-lessons-learned.html#respond Mon, 22 Apr 2024 05:19:14 +0000 https://www.jagoinvestor.com/?p=86477 My EPF Transfer Journey : Lessons Learned POSTED BY JAGOINVESTOR ON APRIL 8, 2024 NO COMMENTS One of our client’s EPF transfer did not happen properly and his total working years were not updated properly. He fought for many months and finally he got it updated. Below is his experience in his own words.. please read. My EPF Transfer […]

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]]> https://www.jagoinvestor.com/2024/04/my-epf-transfer-journey-lessons-learned.html/feed 0 86477 Just Keep Buying https://www.jagoinvestor.com/2024/01/just-keep-buying.html https://www.jagoinvestor.com/2024/01/just-keep-buying.html#comments Mon, 29 Jan 2024 08:31:31 +0000 https://www.jagoinvestor.com/?p=85044 Post Covid-19 hit lockdowns, India has seen a surge in demat accounts being opened.  Around 114 million demat accounts were opened in 2023 alone which is around 2.8 times of 2020 number. Such has been the craze of the bull market we are witnessing. As a result, there has been an unprecedented increase in the […]

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]]> https://www.jagoinvestor.com/2024/01/just-keep-buying.html/feed 19 85044 Family Trusts : How it helps in your Estate Planning https://www.jagoinvestor.com/2023/12/family-trust.html https://www.jagoinvestor.com/2023/12/family-trust.html#comments Mon, 11 Dec 2023 11:30:03 +0000 https://www.jagoinvestor.com/?p=66190 Who doesn’t want to ensure the financial safety and security of loved ones? You work so hard for your entire life to build the required corpus, assets or to grow your family business (if any) to inherit the legacy to your family. But, what if there are many heirs to your property?  In the case […]

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]]> https://www.jagoinvestor.com/2023/12/family-trust.html/feed 8 66190 Macroeconomics and Long-Term Equity: A Surprising Disconnect https://www.jagoinvestor.com/2023/11/macroeconomics-and-long-term-equity.html https://www.jagoinvestor.com/2023/11/macroeconomics-and-long-term-equity.html#comments Sat, 04 Nov 2023 06:25:23 +0000 https://www.jagoinvestor.com/?p=84889 Interest rates and inflation dont really matter much in long-term equity investing. I am going to prove it to you with my personal experience of stock investing in last 16 yrs! In the previous article, we discussed 2 key macroeconomic concepts such as interest rates and inflation. Most investors tend to overemphasize on these 2 […]

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]]> https://www.jagoinvestor.com/2023/11/macroeconomics-and-long-term-equity.html/feed 1 84889 Navigating Interest Rates, Inflation, and your Financial Journey (Part 1/2) https://www.jagoinvestor.com/2023/08/interest-rates-and-inflation.html https://www.jagoinvestor.com/2023/08/interest-rates-and-inflation.html#comments Tue, 29 Aug 2023 07:43:39 +0000 https://www.jagoinvestor.com/?p=84671 Today we will talk about interest rates and inflation, the two hot topics of conversation in the investment world. I will try to simplify these two topics in a simple way and link it with your financial life. The vast majority of views that we read in newspapers and blogs offer some form of asset […]

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]]> https://www.jagoinvestor.com/2023/08/interest-rates-and-inflation.html/feed 3 84671 Beginners guide to investing in Fractional Real Estate https://www.jagoinvestor.com/2023/07/fractional-real-estate.html Fri, 21 Jul 2023 06:39:05 +0000 https://www.jagoinvestor.com/?p=84389 Will you be able to buy a property worth Rs 20 crore? In all probability, you would say NO. However, if I say  – “Can you buy 1% of that real estate property for just Rs 20 lacs?” Now, I guess the answer may be YES! Welcome to the concept of Fractional Real Estate. What […]

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]]> 84389 When will you become a Millionaire? Top 1% of world https://www.jagoinvestor.com/2023/06/millionaire-by-50.html https://www.jagoinvestor.com/2023/06/millionaire-by-50.html#comments Thu, 15 Jun 2023 10:01:02 +0000 https://www.jagoinvestor.com/?p=84437 Recently, I came to know that around 6500 Indian millionaires have migrated to other countries this year. The moment I heard this, the first thing which came to my mind is “How many millionaires are there in India? and entire world?” Are you part of that list of millionaires? And if NO, then when will […]

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]]> https://www.jagoinvestor.com/2023/06/millionaire-by-50.html/feed 7 84437 5 myths about FIRE busted (Indian context) https://www.jagoinvestor.com/2023/05/financial-freedom-myths.html https://www.jagoinvestor.com/2023/05/financial-freedom-myths.html#comments Wed, 03 May 2023 11:36:34 +0000 https://www.jagoinvestor.com/?p=83418 We all want to achieve financial independence in our life! That day, when we will have enough money!!  That day, when we will no longer have to worry about our future expenses! That day, when we are out of the rat race finally! For the last couple of years, we are hearing an acronym FIRE […]

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]]> https://www.jagoinvestor.com/2023/05/financial-freedom-myths.html/feed 9 83418 No more Indexation benefits for pure Debt mutual funds https://www.jagoinvestor.com/2023/03/debt-fund-loose-indexation-benefit.html https://www.jagoinvestor.com/2023/03/debt-fund-loose-indexation-benefit.html#comments Mon, 27 Mar 2023 10:05:48 +0000 https://www.jagoinvestor.com/?p=84146 In a major change in the finance bill 2023, the govt has brought some changes in mutual fund taxation which will now treat pure debt mutual funds on par with Fixed Deposits. Most of the investors were not very happy with this sudden change, how this change is now a reality and we have to […]

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]]> https://www.jagoinvestor.com/2023/03/debt-fund-loose-indexation-benefit.html/feed 2 84146 EPS 95 – Should you opt for higher pension? https://www.jagoinvestor.com/2023/02/eps-95-higher-pension.html https://www.jagoinvestor.com/2023/02/eps-95-higher-pension.html#comments Tue, 28 Feb 2023 11:30:54 +0000 https://www.jagoinvestor.com/?p=84036 Some of the employees recently got a notification from their employers that they have to give a “joint declaration” if they want to opt for higher pension in EPS or not? Let us try to clear the confusion on this. Background  So when a person gets a salary, there is a component called basic salary […]

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]]> https://www.jagoinvestor.com/2023/02/eps-95-higher-pension.html/feed 12 84036 10 major changes for salaried person in Budget 2023 https://www.jagoinvestor.com/2023/02/10-major-changes-for-salaried-person-in-budget-2023.html https://www.jagoinvestor.com/2023/02/10-major-changes-for-salaried-person-in-budget-2023.html#comments Mon, 06 Feb 2023 07:08:54 +0000 https://www.jagoinvestor.com/?p=83946 Today we will be highlighting the important points from the budget 2023 that would be most relevant for the salaried people.  1. There is no change in the old tax regime. So first thing to know is that the old tax slabs remain unchanged. The slabs are same like last year which are as […]

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]]> https://www.jagoinvestor.com/2023/02/10-major-changes-for-salaried-person-in-budget-2023.html/feed 4 83946 5 priceless benefits of Financial Freedom https://www.jagoinvestor.com/2023/01/financial-freedom-benefits.html https://www.jagoinvestor.com/2023/01/financial-freedom-benefits.html#comments Sat, 28 Jan 2023 10:53:26 +0000 https://www.jagoinvestor.com/?p=83929 I’ve heard the phrase “financial freedom” several times in the previous 3-4 years from the investors community. Every time I speak with a customer or an investor on various forums, it appears that “financial independence” has become the new catchphrase. So I decided to talk about it more today. What is Financial Freedom? Simply said, […]

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]]> https://www.jagoinvestor.com/2023/01/financial-freedom-benefits.html/feed 6 83929 10 learnings from my personal fitness journey (with webinar form) https://www.jagoinvestor.com/2022/12/health-greatest-wealth.html https://www.jagoinvestor.com/2022/12/health-greatest-wealth.html#comments Thu, 08 Dec 2022 12:17:07 +0000 https://www.jagoinvestor.com/?p=83594 This article is dedicated to Late Rakesh Jhunjhunwala Sir. The article is not about him or on him, I just felt like dedicating to him. The article is written on health and trust me it has a direct connection with your overall life and wealth journey. We have trained hundreds of investors on retirement planning […]

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]]> https://www.jagoinvestor.com/2022/12/health-greatest-wealth.html/feed 4 83594 Cashflow committed vs Networth committed – Which one are you? https://www.jagoinvestor.com/2022/10/cashflow-vs-networth-committed.html https://www.jagoinvestor.com/2022/10/cashflow-vs-networth-committed.html#comments Fri, 21 Oct 2022 06:06:52 +0000 https://www.jagoinvestor.com/?p=83659 I have seen two kinds of people in my last 12 yrs of experience in the personal finance domain. One is the Cashflow committed and another is Networth committed! Do you know which one are you!? What is a Cashflow vs Networth committed mindset? Let’s talk about these two kinds of mindsets. Cashflow committed Mindset […]

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]]> https://www.jagoinvestor.com/2022/10/cashflow-vs-networth-committed.html/feed 22 83659 How to track your mutual funds & stocks in google sheet? https://www.jagoinvestor.com/2022/09/track-mutual-funds-googlesheet.html https://www.jagoinvestor.com/2022/09/track-mutual-funds-googlesheet.html#comments Wed, 14 Sep 2022 06:48:11 +0000 https://www.jagoinvestor.com/?p=83555 Today, I will share with you a very simple way of tracking your mutual funds and stock portfolio in google sheets. A lot of investors keep it simple and track their stocks and mutual funds portfolio in either a google sheet or excel sheet on their laptop. If you are someone who likes to keep […]

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]]> https://www.jagoinvestor.com/2022/09/track-mutual-funds-googlesheet.html/feed 26 83555 Last 10 yrs returns of various Equity mutual funds (category wise) https://www.jagoinvestor.com/2022/08/equity-category-performance-10yrs.html Mon, 22 Aug 2022 06:19:05 +0000 https://www.jagoinvestor.com/?p=83363 Most mutual fund investors get lost in the world of various equity fund categories like Large cap, Flexi-cap, midcap, small-cap, focused funds, multi-cap, and whatnot. Do investors keep wondering which category will provide the best returns over the long term? And in real life I have also seen most of the investors out of their […]

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]]> 83363 How to buy cheaper property in online auctions in India? https://www.jagoinvestor.com/2022/07/foreclosed-property.html https://www.jagoinvestor.com/2022/07/foreclosed-property.html#comments Tue, 19 Jul 2022 12:00:00 +0000 https://www.jagoinvestor.com/?p=72916 Today I will tell you about foreclosed properties and how you can buy them for lower than the market price. What is the meaning of Foreclosed Property? Many times, banks seize the properties when their owners fail to pay their EMI payments for a long time. These properties are called “foreclosed properties” and banks put them […]

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]]> https://www.jagoinvestor.com/2022/07/foreclosed-property.html/feed 2 72916 10 precautions to take before transferring money to someone online deal https://www.jagoinvestor.com/2022/06/online-fraud-precautions.html https://www.jagoinvestor.com/2022/06/online-fraud-precautions.html#comments Thu, 09 Jun 2022 10:52:18 +0000 https://www.jagoinvestor.com/?p=83148 Online scams are on a rise in India for the last 5-6 yrs as the UPI and online transactions have increased over time. Recently a guy I know told me that he accidentally lost Rs 56,000 in online fraud. He wanted to go on a tour and when he searched online, he came across a […]

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]]> https://www.jagoinvestor.com/2022/06/online-fraud-precautions.html/feed 14 83148 Why you shall not obsess for getting “same day NAV”? https://www.jagoinvestor.com/2022/04/next-vs-same-day-nav.html https://www.jagoinvestor.com/2022/04/next-vs-same-day-nav.html#comments Wed, 27 Apr 2022 12:19:51 +0000 https://www.jagoinvestor.com/?p=83059 A lot of investors are quite worried that they do not get same-day NAV when they invest in mutual funds? There are days when markets are down by 1%, 2%, or even 3-4%, and it’s a great opportunity to invest in equities at lower NAV!.. However due to the recent changes by SEBI, Now the […]

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]]> https://www.jagoinvestor.com/2022/04/next-vs-same-day-nav.html/feed 22 83059 9 Money Lessons from Jyoti after she lost her Husband (Real Life Story) https://www.jagoinvestor.com/2022/03/money-lessons-after-loss-of-husband.html https://www.jagoinvestor.com/2022/03/money-lessons-after-loss-of-husband.html#comments Mon, 28 Mar 2022 07:41:58 +0000 https://www.jagoinvestor.com/?p=82868 Here is a real-life sharing from one of our clients on personal finance lessons she learned after she suddenly lost her husband. We asked her to jot down her journey for the benefit of other investors and we thank her that she agreed. Over to Jyoti Iyer .. — Hi Everyone, I am here to […]

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]]> https://www.jagoinvestor.com/2022/03/money-lessons-after-loss-of-husband.html/feed 28 82868 4 methods of calculating Networth, which no one will tell you https://www.jagoinvestor.com/2022/02/networth-types.html https://www.jagoinvestor.com/2022/02/networth-types.html#comments Tue, 22 Feb 2022 09:20:39 +0000 https://www.jagoinvestor.com/?p=82764 The Networth formula is quite simple Networth = Assets – Liabilities So, if you have assets of Rs. 2 crores and your liabilities are 50 lacs, your net worth is Rs 1.5 crores. We have always been taught to calculate networth this way and there is nothing wrong with that, however, it’s a very simplified […]

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]]> https://www.jagoinvestor.com/2022/02/networth-types.html/feed 44 82764 Is Health Insurance Premium a waste of Money? https://www.jagoinvestor.com/2022/01/health-insurance-waste-of-money.html https://www.jagoinvestor.com/2022/01/health-insurance-waste-of-money.html#comments Mon, 10 Jan 2022 11:40:58 +0000 https://www.jagoinvestor.com/?p=82469 A lot of people think that paying health insurance premiums is a waste of money. After all, why pay the premiums for years and years, and what if nothing happens? After all, our grandparents never had any health insurance and they are in perfect health. Why pay for something which is an imaginary risk?  These […]

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]]> https://www.jagoinvestor.com/2022/01/health-insurance-waste-of-money.html/feed 45 82469 4 FIRE levels (Financial Independence retire Early) https://www.jagoinvestor.com/2021/12/fire.html https://www.jagoinvestor.com/2021/12/fire.html#comments Tue, 14 Dec 2021 12:25:34 +0000 https://www.jagoinvestor.com/?p=82295 The FIRE (financial independence/retire early) movement has got quite famous for the last couple of years in India. Every investor I meet these days wants to achieve FIRE asap. I would like to discuss some important points related to FIRE movement and types of FIRE today with you all. What is FIRE? FIRE or Financial […]

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]]> https://www.jagoinvestor.com/2021/12/fire.html/feed 35 82295 RBI Retail Direct – Buy Govt bonds online https://www.jagoinvestor.com/2021/11/rbi-retail-direct.html https://www.jagoinvestor.com/2021/11/rbi-retail-direct.html#comments Tue, 16 Nov 2021 12:28:28 +0000 https://www.jagoinvestor.com/?p=82158 This week, govt launched a long-awaited portal called RBI Retail Direct which allows investors to buy and sell various kinds of govt bonds online. You can directly buy the bonds without any intermediary and without any Demat account. All you need to do is open a Retail Direct Gilt (RDG) account on the website. The […]

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]]> https://www.jagoinvestor.com/2021/11/rbi-retail-direct.html/feed 15 82158 Why to not bet against India? 2 webinars recording for you! https://www.jagoinvestor.com/2021/10/wealth-creation-equities-webinars.html https://www.jagoinvestor.com/2021/10/wealth-creation-equities-webinars.html#comments Wed, 27 Oct 2021 06:59:57 +0000 https://www.jagoinvestor.com/?p=82061 Are you investing in equities through mutual funds or directly picking stocks for your long-term wealth creation? Many times investors doubt their decision about equity investing when markets are volatile or any big negative event happens like a pandemic or any economic crisis. But it’s very important to be 100% convinced about your decision to […]

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]]> https://www.jagoinvestor.com/2021/10/wealth-creation-equities-webinars.html/feed 1 82061 Decoding “Rs 10,000 invested in Wipro became Rs 500 crore” example https://www.jagoinvestor.com/2021/09/wipro-wealth-creation.html https://www.jagoinvestor.com/2021/09/wipro-wealth-creation.html#comments Fri, 24 Sep 2021 12:45:17 +0000 https://www.jagoinvestor.com/?p=81831 I am sure you must have seen the famous example of how Rs 10,000 invested in WIPRO turned out to be Rs 500 crore in 2019. That’s a massive wealth. But today I want to decode this story and let’s see what are some of the issues and problems. I have created a video on […]

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]]> https://www.jagoinvestor.com/2021/09/wipro-wealth-creation.html/feed 38 81831 “Guaranteed 11% returns” – A new misselling in insurance (VIDEO) https://www.jagoinvestor.com/2021/09/misselling-guaranteed-returns.html Mon, 13 Sep 2021 12:52:21 +0000 https://www.jagoinvestor.com/?p=81718 Recently I got a call from an insurance company sales executives and they tried to sell me an insurance policy which they said had Guaranteed 11% returns. The policy was Reliance Nippon Life Guaranteed Money Back Plan I knew that there is surely some catch and they are kind of misselling me, I didn’t know what […]

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]]> 81718 How I survived a Credit Card fraud today! – Experience Sharing https://www.jagoinvestor.com/2021/09/otp-credit-card-fraud.html https://www.jagoinvestor.com/2021/09/otp-credit-card-fraud.html#comments Fri, 03 Sep 2021 05:30:57 +0000 https://www.jagoinvestor.com/?p=81548 One of my Twitter followers Mr Ravi shared with me a potential credit card fraud attempt that he survived. I would like to share that with you all with his permission. Here is goes — I hold an RBL Bank Credit Card along with a couple of others. Today, I got a call from a […]

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]]> https://www.jagoinvestor.com/2021/09/otp-credit-card-fraud.html/feed 6 81548 New Bank locker Rules by RBI (100 times the locker rent as penality) https://www.jagoinvestor.com/2021/08/bank-locker-rules.html https://www.jagoinvestor.com/2021/08/bank-locker-rules.html#comments Thu, 19 Aug 2021 10:48:04 +0000 https://www.jagoinvestor.com/?p=81527 RBI has recently issued some new guidelines for bank lockers which are consumer-friendly to some extent and will come into effect from 1st Jan 2022. RBI went through lots of customer grievances and feedback from banks too and finally came up with some new guidelines. Let’s look at some of the most important points which […]

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]]> https://www.jagoinvestor.com/2021/08/bank-locker-rules.html/feed 11 81527 5 major reasons for health insurance claim rejections https://www.jagoinvestor.com/2021/08/health-insurance-claim-rejections.html https://www.jagoinvestor.com/2021/08/health-insurance-claim-rejections.html#comments Wed, 18 Aug 2021 08:38:35 +0000 https://www.jagoinvestor.com/?p=81438 What are some of the reasons because of which you may get a shock while making a health insurance claim? There are tons of bad reviews for various insurance companies and policies that they rejected their claims or didn’t pay in full. A lot of times these incidents happen because customers are not aware of […]

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]]> https://www.jagoinvestor.com/2021/08/health-insurance-claim-rejections.html/feed 17 81438 Can Cryptocurrency be considered as an asset class? https://www.jagoinvestor.com/2021/08/cryptocurrency-asset-class.html https://www.jagoinvestor.com/2021/08/cryptocurrency-asset-class.html#comments Wed, 11 Aug 2021 06:23:06 +0000 https://www.jagoinvestor.com/?p=81165 So the topic of debate today is “Is Cryptocurrency like Bitcoin be considered as an asset class?” Till now we all know that there are many asset classes like Equity, Fixed Income, Real Estate, Cash and Commodities. Some people also argue if “Art” is an asset class or not. And now, there is this new […]

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]]> https://www.jagoinvestor.com/2021/08/cryptocurrency-asset-class.html/feed 25 81165 Rs 98,779 crore lying unclaimed in various accounts in India https://www.jagoinvestor.com/2021/08/unclaimed-investments.html https://www.jagoinvestor.com/2021/08/unclaimed-investments.html#comments Tue, 03 Aug 2021 10:06:58 +0000 https://www.jagoinvestor.com/?p=75992 Do you know that there is a possibility that your grandparents or someone else in the family might have some bank account or some policy that you are not aware of till today and the money is lying unclaimed for decades? Yes, that can happen!! Can you believe that a whopping Rs 98,779 crore is […]

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]]> https://www.jagoinvestor.com/2021/08/unclaimed-investments.html/feed 16 75992 What are different ways to invest in International Equities? https://www.jagoinvestor.com/2021/07/international-mutual-funds.html Thu, 22 Jul 2021 12:55:43 +0000 https://www.jagoinvestor.com/?p=80845 For the last 2-3 yrs, more and more investors want to diversify beyond Indian equities and want to invest in other countries stocks. We all have seen news of how some international stocks like Amazon, Facebook, and Tesla etc are doing wonderful and today we will see how Indian investors can also invest in these […]

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]]> 80845 Model Tenancy Act 2021 – Will it Fix Home Rental Market in India? https://www.jagoinvestor.com/2021/07/model-tenancy-act.html https://www.jagoinvestor.com/2021/07/model-tenancy-act.html#comments Mon, 12 Jul 2021 13:34:28 +0000 https://www.jagoinvestor.com/?p=80753 Model Tenant Act, 2021 is very soon going to be a reality in India and it’s mainly to set up the rules and protect the rights of tenants and property owners from each other. The rental market of properties is a very vibrant and deep market in India and every year millions of people rent […]

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]]> https://www.jagoinvestor.com/2021/07/model-tenancy-act.html/feed 17 80753 Loan Against Property (LAP) – A Detailed Guide https://www.jagoinvestor.com/2021/06/loan-against-property.html https://www.jagoinvestor.com/2021/06/loan-against-property.html#comments Tue, 22 Jun 2021 15:49:34 +0000 https://www.jagoinvestor.com/?p=72981 Today I will tell you about loan against property (LAP) If you have a property that is free from any loan, then you can take a loan by keeping that property as collateral Loan Against Property (LAP) A Loan against Property (LAP) is a secured loan availed against a commercial or residential property kept as […]

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]]> https://www.jagoinvestor.com/2021/06/loan-against-property.html/feed 2 72981 FREE GIFT – A detailed Blackbox file for your family https://www.jagoinvestor.com/2021/06/blackbox-document.html Fri, 04 Jun 2021 10:00:23 +0000 https://www.jagoinvestor.com/?p=80155 Dear readers Today we are releasing a FREE, very exhaustive and detailed google sheet for everyone which can act as a single point of information for your family to access all your data and information related to your financial life. In this COVID Pandemic, a lot of families lost a family member and in many […]

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]]> 80155 Why Claim Settlement Ratio is wrong parameter to look at? https://www.jagoinvestor.com/2021/05/claim-settlement-ratio.html https://www.jagoinvestor.com/2021/05/claim-settlement-ratio.html#comments Tue, 18 May 2021 10:38:50 +0000 https://www.jagoinvestor.com/?p=79112 Do you exactly understand what the Claim Settlement Ratio in Insurance is? A lot of people just look at the claim settlement ratio and make an opinion about an insurance company. In this article, let me break some myths and help you understand more about the claim settlement ratio. What is Claim Settlement Ratio? In […]

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]]> https://www.jagoinvestor.com/2021/05/claim-settlement-ratio.html/feed 31 79112 Why super topup insurance plans are cheaper than a big cover? https://www.jagoinvestor.com/2021/04/super-topup-cheaper-premium.html https://www.jagoinvestor.com/2021/04/super-topup-cheaper-premium.html#comments Wed, 14 Apr 2021 08:33:08 +0000 https://www.jagoinvestor.com/?p=72199 Shall you buy a single big health insurance policy or divide it between two policies (Base cover + a super top-up policy) for a cheaper premium? The whole insurance industry is busy promoting and selling super top-up policies as a “cheaper way of upgrading” your health insurance cover. But no one is educating investors on […]

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]]> https://www.jagoinvestor.com/2021/04/super-topup-cheaper-premium.html/feed 53 72199 DevOps & Personal Finance – A guest post by software professional https://www.jagoinvestor.com/2021/03/devops-personal-finance.html https://www.jagoinvestor.com/2021/03/devops-personal-finance.html#comments Tue, 30 Mar 2021 08:25:55 +0000 https://www.jagoinvestor.com/?p=79224 This is a guest post by our reader Phani Kiran, who has tried to see personal finance from the software industry perspective. It will be more clear to software people but I think the way its written, everyone can understand it. Over to Phani Kiran — Hi All DevOps needs no introduction to people working […]

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]]> https://www.jagoinvestor.com/2021/03/devops-personal-finance.html/feed 19 79224 Can you get a plot loan if you don’t want to construct a house? https://www.jagoinvestor.com/2021/03/plot-loan-rules.html https://www.jagoinvestor.com/2021/03/plot-loan-rules.html#comments Wed, 10 Mar 2021 10:01:27 +0000 https://www.jagoinvestor.com/?p=78743 Lots of people in India want to buy land, especially investors from big cities as land is a scarce commodity and it sounds amazing to build your own house on a piece of land instead of staying in apartments. However, do remember that there are no specific loans available to buy agricultural land. The only […]

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]]> https://www.jagoinvestor.com/2021/03/plot-loan-rules.html/feed 23 78743 What happens when you are not able to repay your home loan? https://www.jagoinvestor.com/2021/02/home-loan-default-process.html https://www.jagoinvestor.com/2021/02/home-loan-default-process.html#comments Tue, 23 Feb 2021 12:36:20 +0000 https://www.jagoinvestor.com/?p=78741 Do you know what happens when you are unable to repay back your home loan? After how many missed EMI’s will the lender get hold of your property and throw you out of it? What are your rights as a consumer and what exactly are the steps involved in the foreclosure process? When we buy […]

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]]> https://www.jagoinvestor.com/2021/02/home-loan-default-process.html/feed 47 78741 How to convince your parents to invest in mutual funds? https://www.jagoinvestor.com/2021/01/senior-citizen-mutual-funds.html https://www.jagoinvestor.com/2021/01/senior-citizen-mutual-funds.html#comments Fri, 29 Jan 2021 09:02:53 +0000 https://www.jagoinvestor.com/?p=78082 Today we will discuss how you can convince your parents (assuming senior citizen) into mutual funds to get better returns on their investments with lower risk. I am not saying that every parent needs to invest in mutual funds. But I have seen many parents retiring with insufficient corpus and investing that money in a […]

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]]> https://www.jagoinvestor.com/2021/01/senior-citizen-mutual-funds.html/feed 19 78082 10 unconventional financial goals which we came across from investors! https://www.jagoinvestor.com/2021/01/different-financial-goals.html https://www.jagoinvestor.com/2021/01/different-financial-goals.html#comments Mon, 18 Jan 2021 06:01:03 +0000 https://www.jagoinvestor.com/?p=77988 Today I want to share something interesting with you. I recently asked my team to share with me some very unconventional and “hatke” financial goals of our clients. Generally, when we all talk of financial planning, we feel its just about the boring-sounding goals like Retirement, Children education, Children marriage, Buying House & Home Renovation […]

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]]> https://www.jagoinvestor.com/2021/01/different-financial-goals.html/feed 21 77988 Getting Bad returns from your mutual fund? Do the Rolling Returns Analysis! https://www.jagoinvestor.com/2020/12/rolling-returns-mutual-funds.html https://www.jagoinvestor.com/2020/12/rolling-returns-mutual-funds.html#comments Wed, 30 Dec 2020 14:20:33 +0000 https://www.jagoinvestor.com/?p=77611 Not happy with your mutual fund performance? Do you think its a bad mutual fund, because it is not doing well from last many years? A lot of mutual funds investors lose their patience looking at their mutual fund’s returns after they invest for 2-3 yrs. Its commonly suggested that an equity mutual fund will […]

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]]> https://www.jagoinvestor.com/2020/12/rolling-returns-mutual-funds.html/feed 30 77611 4 Empowering ways to look at your job https://www.jagoinvestor.com/2020/12/how-to-look-your-job.html https://www.jagoinvestor.com/2020/12/how-to-look-your-job.html#comments Fri, 18 Dec 2020 10:59:04 +0000 https://www.jagoinvestor.com/?p=77230 In the last article – 10 benefits of being an employee vs an Entrepreneur, Manish has highlighted some amazing points with some interesting sharings from some real-life entrepreneurs. The article surely has struck a chord with many. After the article was published we decided to write a sequel to the article. We want to leave […]

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]]> https://www.jagoinvestor.com/2020/12/how-to-look-your-job.html/feed 6 77230 10 benefits of being an “employee” vs an entrepreneur https://www.jagoinvestor.com/2020/11/employee-vs-entrepreneur.html https://www.jagoinvestor.com/2020/11/employee-vs-entrepreneur.html#comments Fri, 20 Nov 2020 11:44:16 +0000 https://www.jagoinvestor.com/?p=76777 This is a long, but intense and immensely high-value article. So please read it fully! Today I want to talk about some of the advantages of “doing a job”, rather than running a business or being an entrepreneur. If you are someone who thinks that having your own business is “always” better than “doing a […]

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]]> https://www.jagoinvestor.com/2020/11/employee-vs-entrepreneur.html/feed 60 76777 Loan Moratorium Waiver Benefit by Govt – Get Cashback in your bank account soon! https://www.jagoinvestor.com/2020/10/cashback-loan-moratorium.html https://www.jagoinvestor.com/2020/10/cashback-loan-moratorium.html#comments Mon, 26 Oct 2020 10:41:26 +0000 https://www.jagoinvestor.com/?p=76491 There is good news for those loan borrowers who didn’t opt for the loan moratorium benefit which was introduced by govt due to the pandemic. The govt has decided to pay the interest on the interest of the loan outstanding and pass on the benefit in form of cashback to loan borrowers. Let me explain […]

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]]> https://www.jagoinvestor.com/2020/10/cashback-loan-moratorium.html/feed 32 76491 Gold & Indian Marriages – Survey results of 2000+ participants https://www.jagoinvestor.com/2020/10/gold-and-girls-survey.html https://www.jagoinvestor.com/2020/10/gold-and-girls-survey.html#comments Fri, 16 Oct 2020 06:08:33 +0000 https://www.jagoinvestor.com/?p=76343 Do you have a daughter? Saving in gold for her marriage? Nice! .. Nothing wrong with it. Just that I wanted to tell you what your daughter wants?! Yes, that’s exactly what we did. We ran a survey with around 1,996 people which was a mix of men and women and tried to get a […]

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]]> https://www.jagoinvestor.com/2020/10/gold-and-girls-survey.html/feed 13 76343 10 mind-blowing changes in Health Insurance starting Oct 1, 2020 https://www.jagoinvestor.com/2020/10/health-insurance-changes-2020.html https://www.jagoinvestor.com/2020/10/health-insurance-changes-2020.html#comments Tue, 06 Oct 2020 16:31:29 +0000 https://www.jagoinvestor.com/?p=76064 Congrats! – Health Insurance just got a lot better IRDA has recently come up with some major changes in health insurance guidelines which are extremely customer friendly. These changes will reduce a lot of confusion that customers used to face while buying health insurance and will also help in smooth claim experience. These changes are […]

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]]> https://www.jagoinvestor.com/2020/10/health-insurance-changes-2020.html/feed 46 76064 10 money lessons for millennials (Recent corporate webinar by Jagoinvestor) https://www.jagoinvestor.com/2020/09/money-lessons-millennials.html https://www.jagoinvestor.com/2020/09/money-lessons-millennials.html#comments Wed, 09 Sep 2020 11:39:37 +0000 https://www.jagoinvestor.com/?p=75229 We recently had an opportunity to conduct a personal finance session for the millennial. For those who don’t know this word, millennial means the people who are just reaching their adulthood. They are quite young, and may be just out of college and recently started earning money. I am writing the article so that we […]

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]]> https://www.jagoinvestor.com/2020/09/money-lessons-millennials.html/feed 8 75229 How long will you live after retirement? (Its not 80 yrs) https://www.jagoinvestor.com/2020/09/life-expectancy-india.html https://www.jagoinvestor.com/2020/09/life-expectancy-india.html#comments Thu, 03 Sep 2020 10:02:12 +0000 https://www.jagoinvestor.com/?p=75330 70-80 yrs. That’s what most of the investors answer when they are asked – “How long are you going to live?” Truly speaking, no one knows how long will you live!. We may die at 60, 70,80, and 90,100 or may be 47 or next week!. Who knows? In most of our workshops and even […]

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]]> https://www.jagoinvestor.com/2020/09/life-expectancy-india.html/feed 21 75330 Is 30x of annual expenses enough for retirement in India? https://www.jagoinvestor.com/2020/08/retirement-corpus-30x.html https://www.jagoinvestor.com/2020/08/retirement-corpus-30x.html#comments Mon, 24 Aug 2020 09:51:54 +0000 https://www.jagoinvestor.com/?p=75126 Today we will discuss an interesting topic – How many times of your annual expenses do you need as your retirement corpus to retire comfortably? For example, if someone has an annual expenses of Rs 6 lacs per year, then can they retire with Rs. 1.8 crores (30 times)? This is the focus of the […]

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]]> https://www.jagoinvestor.com/2020/08/retirement-corpus-30x.html/feed 55 75126 Senior Citizen Saving Scheme (SCSS) – How it works and brief review https://www.jagoinvestor.com/2020/08/senior-citizen-saving-scheme.html https://www.jagoinvestor.com/2020/08/senior-citizen-saving-scheme.html#comments Thu, 13 Aug 2020 07:46:18 +0000 https://www.jagoinvestor.com/?p=72841 The investment product which I will be talking about in this article will meet all your requirement as a senior citizen. It is called as “Senior Citizen Saving Scheme”. It is one of the safest investment products because it is sponsored by the Government of India. What is SCSS? Senior Citizen Savings Scheme (SCSS) is […]

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]]> https://www.jagoinvestor.com/2020/08/senior-citizen-saving-scheme.html/feed 9 72841 How much “Gold” can you hold without any income proof? https://www.jagoinvestor.com/2020/08/gold-limit.html https://www.jagoinvestor.com/2020/08/gold-limit.html#comments Mon, 03 Aug 2020 13:21:25 +0000 https://www.jagoinvestor.com/?p=73312 Most of the Indians are obsessed with gold. But are you aware of the restriction on how much gold can you hold even the worth of gold does not match your income status? In this article I will exactly touch base on that. How much gold can you have without receipts? Have you ever wondered […]

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]]> https://www.jagoinvestor.com/2020/08/gold-limit.html/feed 8 73312 Corona Rakshak Policy – Get paid when you catch Covid-19 https://www.jagoinvestor.com/2020/07/corona-rakshak-policy-review.html https://www.jagoinvestor.com/2020/07/corona-rakshak-policy-review.html#comments Mon, 20 Jul 2020 12:54:19 +0000 https://www.jagoinvestor.com/?p=74201 Health Insurance companies have recently launched one more corona specific health insurance policy called as Corona Rakshak Policy” as per the IRDAI guidelines. This is a benefit based health insurance plan which pays you a lump sum amount when you are diagnosed of covid-19 and are hospitalized for continuous 72 hrs. Features of Corona Rakshak […]

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]]> https://www.jagoinvestor.com/2020/07/corona-rakshak-policy-review.html/feed 12 74201 Corona Kavach Policy – Get insured and save high medical bills https://www.jagoinvestor.com/2020/07/corona-kavach-policy-review.html https://www.jagoinvestor.com/2020/07/corona-kavach-policy-review.html#comments Thu, 16 Jul 2020 12:22:22 +0000 https://www.jagoinvestor.com/?p=74171 The ongoing COVID-19 pandemic has caused a lot of fear and anxiety in our lives because there are no vaccines or any cure available for this illness. If anyone gets COVID +ve there are chances that there may be huge medical bills running into lakhs of Rupees. In case you don’t have big health insurance, […]

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]]> https://www.jagoinvestor.com/2020/07/corona-kavach-policy-review.html/feed 18 74171 54 EC Capital Tax Bonds – How to save your tax after selling house? https://www.jagoinvestor.com/2020/07/54ec-capital-gain-bonds.html https://www.jagoinvestor.com/2020/07/54ec-capital-gain-bonds.html#comments Sat, 11 Jul 2020 13:04:54 +0000 https://www.jagoinvestor.com/?p=73877 When you sell any capital asset like a house, gold, bonds or debt mutual funds over a long period, you generally make a PROFIT, which is called as Capital gains. This is treated differently from “interest income” which you get from fixed deposits and these capital gains are taxed at 20%. In case of selling […]

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]]> https://www.jagoinvestor.com/2020/07/54ec-capital-gain-bonds.html/feed 45 73877 e-Nomination facility in EPF accounts – Update your Nominee online? https://www.jagoinvestor.com/2020/06/epf-enomination.html https://www.jagoinvestor.com/2020/06/epf-enomination.html#comments Sun, 28 Jun 2020 08:48:32 +0000 https://www.jagoinvestor.com/?p=73178 Almost all the salaried employees have an EPF account. For many years and sometimes for decades, the money gets added to this EPF account and we all feel great about it. However, we do not pay attention to a small thing which can lead to a big problem. And that is not having the right […]

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]]> https://www.jagoinvestor.com/2020/06/epf-enomination.html/feed 12 73178 What is SIM Swap Fraud & How to prevent it? https://www.jagoinvestor.com/2020/06/sim-swap-fraud.html https://www.jagoinvestor.com/2020/06/sim-swap-fraud.html#comments Thu, 18 Jun 2020 08:12:28 +0000 https://www.jagoinvestor.com/?p=73056 The telecom and financial services have drastically changed over the last 15-20 yrs. and this means that you can do lots of things over your phone now. You don’t need to go to bank for everything. Now your mobile itself is a bank and it will let you transfer money to anyone and transact with […]

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]]> https://www.jagoinvestor.com/2020/06/sim-swap-fraud.html/feed 10 73056 8 things this Lockdown has taught me https://www.jagoinvestor.com/2020/06/lockdown-learnings.html https://www.jagoinvestor.com/2020/06/lockdown-learnings.html#comments Thu, 04 Jun 2020 13:32:41 +0000 https://www.jagoinvestor.com/?p=72852 We all are in lockdown from last 70+ days & this is probably a once in a life event. The whole world is fighting coronavirus and some form of lockdown is there in every part of the world. People are losing jobs, seeing salary cuts and we all are wondering how the future will be […]

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]]> https://www.jagoinvestor.com/2020/06/lockdown-learnings.html/feed 8 72852 How to claim refund from IEPF? (Unclaimed dividends, stocks) https://www.jagoinvestor.com/2020/06/iepf-refund.html https://www.jagoinvestor.com/2020/06/iepf-refund.html#comments Mon, 01 Jun 2020 12:12:20 +0000 https://www.jagoinvestor.com/?p=72601 Have you ever thought what happens to all those unclaimed dividends, shares or any money which was lost in scams or frauds? It might also happen that your grandparents or parents have made some investments and you are not aware about it? How to find it out and claim it back? The answer is IEPF, […]

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]]> https://www.jagoinvestor.com/2020/06/iepf-refund.html/feed 19 72601 What happens when stock gets delisted from stock market? https://www.jagoinvestor.com/2020/05/stock-delisting.html https://www.jagoinvestor.com/2020/05/stock-delisting.html#comments Tue, 19 May 2020 15:26:45 +0000 https://www.jagoinvestor.com/?p=72400 Today, we will see what exactly happens when a stock is delisted from stock market? What happens to the shareholders and how they get the money back for their shares? To understand de-listing, first let’s understand meaning of “Listing” So when a private company wants to be become a public limited company and offer its […]

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]]> https://www.jagoinvestor.com/2020/05/stock-delisting.html/feed 34 72400 Why that IDIOT is RICH and I am not ? https://www.jagoinvestor.com/2020/05/rich-vs-poor-thinking.html https://www.jagoinvestor.com/2020/05/rich-vs-poor-thinking.html#comments Wed, 06 May 2020 12:00:29 +0000 https://www.jagoinvestor.com/?p=11352 I got a call from one of my friends. He was feeling down in life and wanted some help on how to deal with the current negative scenario, he asked me some questions and requested for some coaching, he started with questions like How can I make more money? How can I have a blog […]

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]]> https://www.jagoinvestor.com/2020/05/rich-vs-poor-thinking.html/feed 7 11352 7 principles of Insurance which every investor should know https://www.jagoinvestor.com/2020/04/insurance-principles.html https://www.jagoinvestor.com/2020/04/insurance-principles.html#comments Mon, 20 Apr 2020 08:19:07 +0000 https://www.jagoinvestor.com/?p=63564 I generally come across some very basic insurance related queries like “I am not a smoker right now, if I buy a term plan – will I have to inform the company in case I start smoking in future” “My father just got diagnosed with diabetes, Can I get a health insurance which covers that?” […]

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]]> https://www.jagoinvestor.com/2020/04/insurance-principles.html/feed 14 63564 Past, Present and the future – Wealth Creation & Life https://www.jagoinvestor.com/2020/04/past-present-future.html https://www.jagoinvestor.com/2020/04/past-present-future.html#comments Sun, 12 Apr 2020 16:13:59 +0000 https://www.jagoinvestor.com/?p=71436 I (Nandish Desai) and Manish Chauhan recently did zoom call for our wealth creation clients and from the call I am sharing a few points with all of you. The three words past, present and future have connection with our life, every area of life and also our wealth creation journey. We all have some […]

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]]> https://www.jagoinvestor.com/2020/04/past-present-future.html/feed 11 71436 3 months EMI Moratorium benefit – Why you should NOT opt? https://www.jagoinvestor.com/2020/03/emi-moratorium.html https://www.jagoinvestor.com/2020/03/emi-moratorium.html#comments Fri, 27 Mar 2020 16:41:20 +0000 https://www.jagoinvestor.com/?p=71122 Today, there was a news about 3 months moratorium (which means a temporary relief) benefit on all kind of loans and how investors won’t have to pay their EMI for 3 months. However it was celebrated by investors without understanding it fully. So I thought of clarifying some doubts regarding it and to share with […]

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]]> https://www.jagoinvestor.com/2020/03/emi-moratorium.html/feed 25 71122 Will your insurance company cover Coronavirus (Covid-19)? https://www.jagoinvestor.com/2020/03/insurance-coronavirus.html https://www.jagoinvestor.com/2020/03/insurance-coronavirus.html#comments Fri, 20 Mar 2020 04:20:55 +0000 https://www.jagoinvestor.com/?p=70863 As I write this, Coronavirus is already spreading in India and there have been 148 positive cases in India. 3 people have died. Coronavirus is spreading across the world and has killed so many across the world (especially China, Italy, Iran, and Spain). A lot of us have bought life and health insurance policies and […]

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]]> https://www.jagoinvestor.com/2020/03/insurance-coronavirus.html/feed 6 70863 2 big reasons why markets are falling? https://www.jagoinvestor.com/2020/03/why-markets-are-falling.html https://www.jagoinvestor.com/2020/03/why-markets-are-falling.html#comments Mon, 16 Mar 2020 12:07:24 +0000 https://www.jagoinvestor.com/?p=70785 Sensex is down by 7.96% today In the last 1 month alone the markets have corrected by 23% and it was one of the fastest and steepest declines ever in the history of stock markets in India (and globally) A lot of equity investors are very new to this game and many might be wondering […]

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]]> https://www.jagoinvestor.com/2020/03/why-markets-are-falling.html/feed 24 70785 Is it really worth saving small amounts like Rs 2,000 per month? https://www.jagoinvestor.com/2020/03/saving-habit.html https://www.jagoinvestor.com/2020/03/saving-habit.html#comments Tue, 03 Mar 2020 02:38:41 +0000 https://www.jagoinvestor.com/?p=70337 A lot of young investors are often confused if it’s really worth saving small chunks of money in the start of their careers? A lot of investors don’t save enough at the start of their career and wonder if they should start saving only in the future when they are able to save a “respectable” […]

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]]> https://www.jagoinvestor.com/2020/03/saving-habit.html/feed 9 70337 Are we rich or are we poor? A readers story https://www.jagoinvestor.com/2020/02/rich-poor-money-story.html https://www.jagoinvestor.com/2020/02/rich-poor-money-story.html#respond Thu, 27 Feb 2020 12:23:26 +0000 https://www.jagoinvestor.com/?p=43057 ”Are we rich; or are we poor ?”…….. This was the question my daughter framed when she was old enough to seek pocket-money. Instead, we chose to keep money in a safe spot for ALL expenses including household and my job was to keep replenishing it. It was tricky to deny them a fixed amount […]

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]]> https://www.jagoinvestor.com/2020/02/rich-poor-money-story.html/feed 0 43057 11 changes in Personal Finance Industry in last 10 yrs https://www.jagoinvestor.com/2020/02/personal-finance-changes-2020.html https://www.jagoinvestor.com/2020/02/personal-finance-changes-2020.html#comments Fri, 14 Feb 2020 08:44:52 +0000 https://www.jagoinvestor.com/?p=68785 We just entered 2020, and I thought let me pen down some observations of the last decade. I had started blogging from the last 12 yrs and it’s been quite a long and amazing journey. From a small blog, we are now one of the biggest personal finance websites in India with millions of readers […]

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]]> https://www.jagoinvestor.com/2020/02/personal-finance-changes-2020.html/feed 10 68785 5 Major Changes in Budget 2020 (NRI Taxation Myths + New vs Old Slab) https://www.jagoinvestor.com/2020/02/budget-2020.html https://www.jagoinvestor.com/2020/02/budget-2020.html#comments Mon, 03 Feb 2020 11:49:23 +0000 https://www.jagoinvestor.com/?p=69108 Budget 2020 was a big event. For last so many days before the budget, there was this noise and expectations around raising 80C limits, change in tax slabs, and reversal of Long term capital gains tax on equity or at least giving the benefit of Indexation in equity taxation. However, nothing like that happened. Infact, […]

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]]> https://www.jagoinvestor.com/2020/02/budget-2020.html/feed 55 69108 How NRI’s can claim tax benefit under DTAA? https://www.jagoinvestor.com/2020/01/dtaa.html https://www.jagoinvestor.com/2020/01/dtaa.html#comments Mon, 27 Jan 2020 06:13:38 +0000 https://www.jagoinvestor.com/?p=65278 The taxation becomes more complicated when you moved out of one country to another for earning. A lot of times, an NRI will be earning in India as well as abroad, and pay the income tax in India and abroad both at the same time, because of many country levy tax on global income. This […]

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]]> https://www.jagoinvestor.com/2020/01/dtaa.html/feed 11 65278 Surrender v/s Paid-up – which is better option for your old insurance policies? https://www.jagoinvestor.com/2020/01/surrender-vs-paid-up.html https://www.jagoinvestor.com/2020/01/surrender-vs-paid-up.html#comments Wed, 22 Jan 2020 12:39:14 +0000 https://www.jagoinvestor.com/?p=52834 Do you want to get rid of your old money back insurance plans, but are confused if you should “surrender” or make it “paid up”? Today I will explain which one is the best option amongst the two. Surrender vs Paid-up option in Insurance policies All those assured insurance plans which your parents made you […]

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]]> https://www.jagoinvestor.com/2020/01/surrender-vs-paid-up.html/feed 68 52834 Arogya Sanjeevani Policy – A uniform health insurance plan (REVIEW) https://www.jagoinvestor.com/2020/01/arogya-sanjeevani-policy.html https://www.jagoinvestor.com/2020/01/arogya-sanjeevani-policy.html#comments Mon, 13 Jan 2020 12:54:57 +0000 https://www.jagoinvestor.com/?p=68393 IRDA has recently announced the launch of health insurance policy called “Arogya Sanjeevani Policy” (official link) which will have standard features which are required by a common man for his health insurance requirement. IRDA thought of a standard policy which will be exactly same across insurers with similar features. In this review, I plan to […]

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]]> https://www.jagoinvestor.com/2020/01/arogya-sanjeevani-policy.html/feed 34 68393 5 changes in PPF rules which will impact you (PPF scheme 2019) https://www.jagoinvestor.com/2019/12/ppf-changes-2019.html https://www.jagoinvestor.com/2019/12/ppf-changes-2019.html#comments Tue, 31 Dec 2019 08:09:24 +0000 https://www.jagoinvestor.com/?p=67619 On 12th December, the Government of India has notified some changes to the PPF Scheme 1968. The government has replaced the earlier PPF Scheme, 1968 to the new Public Provident Fund (PPF) Scheme, 2019. You can view the following 5 min video I created on this topic. Let us see what changes have been made […]

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]]> https://www.jagoinvestor.com/2019/12/ppf-changes-2019.html/feed 13 67619 Learn how to save money to do what you love [PODCAST – 49 min] https://www.jagoinvestor.com/2019/12/learn-to-save-podcast.html https://www.jagoinvestor.com/2019/12/learn-to-save-podcast.html#comments Mon, 23 Dec 2019 12:32:07 +0000 https://www.jagoinvestor.com/?p=67688 Do you want to know how to save money to do what you love in life? I recently did a 49 min audio podcast with Sanjay Khandelwal of The Break School. The podcast is mainly aimed at those who want to do something on their own by quitting their jobs, but they get stopped because […]

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]]> https://www.jagoinvestor.com/2019/12/learn-to-save-podcast.html/feed 14 67688 What is Cost Inflation Index (CII) https://www.jagoinvestor.com/2019/12/cost-inflation-index.html https://www.jagoinvestor.com/2019/12/cost-inflation-index.html#comments Thu, 19 Dec 2019 10:13:57 +0000 https://www.jagoinvestor.com/?p=66443 Can you guess, what these numbers are for 200, 220, 240 or 264? Don’t worry it is not some math thing. These numbers are used as measures to save you from paying higher taxes on the sale of any capital asset like real estate or gold. It’s the value of the “Cost Inflation Index” (CII) […]

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]]> https://www.jagoinvestor.com/2019/12/cost-inflation-index.html/feed 20 66443 How PMS (portfolio management services) works? https://www.jagoinvestor.com/2019/12/pms.html https://www.jagoinvestor.com/2019/12/pms.html#comments Wed, 11 Dec 2019 08:10:09 +0000 https://www.jagoinvestor.com/?p=66158 If you are a high net-worth individual, looking for investing in a professionally customized portfolio of stocks, then PMS (Portfolio management services) can be a good choice for you. In this article, we will discuss everything about PMS – Portfolio Management Services. What is Portfolio Management Services (PMS)? PMS is a service targetted at HNI […]

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]]> https://www.jagoinvestor.com/2019/12/pms.html/feed 19 66158 What does “more money” give you in life? (shocking replies inside) https://www.jagoinvestor.com/2019/12/money-happiness.html https://www.jagoinvestor.com/2019/12/money-happiness.html#comments Fri, 06 Dec 2019 08:59:03 +0000 https://www.jagoinvestor.com/?p=66544 What does “more money” give you in life? I asked this question on twitter a few days back and gave 3 options to choose from. Here are the results What does “more money” gives you in life? — JagoInvestor (@jagoinvestor_) November 11, 2019 A total of 120 people voted on the question and I got […]

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]]> https://www.jagoinvestor.com/2019/12/money-happiness.html/feed 21 66544 10 money lessons, I would like to pass on to my Children (and yours too) https://www.jagoinvestor.com/2019/11/money-lessons.html https://www.jagoinvestor.com/2019/11/money-lessons.html#comments Sun, 24 Nov 2019 03:31:46 +0000 https://www.jagoinvestor.com/?p=66547 Jagoinvestor completed 10 yrs recently and it was a wonderful experience for these 10 yrs writing so many articles, working with thousands of investors. While I was at my Ahmedabad office recently, I and my partner Nandish thought of an idea. We were discussing our kids (I have 1.5 yrs daughter and his son is […]

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]]> https://www.jagoinvestor.com/2019/11/money-lessons.html/feed 20 66547 How to add your new born baby to your health insurance policy? https://www.jagoinvestor.com/2019/11/add-baby-health-insurance-policy.html https://www.jagoinvestor.com/2019/11/add-baby-health-insurance-policy.html#comments Wed, 20 Nov 2019 10:19:45 +0000 https://www.jagoinvestor.com/?p=47945 Newborn baby comes with a bundle of joys. However, after his/her, your life changes a lot like adjusting your schedules, balancing your work life and most importantly managing your finances. One important thing which parents forget after the newborn arrives is to add him/her in the health insurance policy. In this article, we are going […]

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]]> https://www.jagoinvestor.com/2019/11/add-baby-health-insurance-policy.html/feed 6 47945 Sovereign Gold Bonds – 9 things you should know https://www.jagoinvestor.com/2019/11/sovereign-gold-bonds.html https://www.jagoinvestor.com/2019/11/sovereign-gold-bonds.html#comments Sun, 17 Nov 2019 13:20:37 +0000 https://www.jagoinvestor.com/?p=66095 Most of the investors feel that gold is a good option to invest. One, because it gives quite reasonable returns and second but most important, we have an attachment with gold as per our traditions. However, if you want to buy gold physically, you need to bear storage cost i.e. locker rents and along with […]

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]]> https://www.jagoinvestor.com/2019/11/sovereign-gold-bonds.html/feed 15 66095 PIS account for NRI’s – Invest in Direct Equities in India https://www.jagoinvestor.com/2019/11/pis-account-nri.html https://www.jagoinvestor.com/2019/11/pis-account-nri.html#comments Mon, 11 Nov 2019 10:23:08 +0000 https://www.jagoinvestor.com/?p=65025 Are you an NRI who is planning to invest in direct stocks or other equity options? Indian economy is one of the fastest-growing economy and many NRIs and PIOs are planning to invest in Indian equities, but they are not sure, whether they can invest in India or not? And what is the procedure for […]

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]]> https://www.jagoinvestor.com/2019/11/pis-account-nri.html/feed 24 65025 What is FCNR Deposit Account? Fixed Deposits for NRI’s in India https://www.jagoinvestor.com/2019/11/fcnr.html https://www.jagoinvestor.com/2019/11/fcnr.html#respond Mon, 04 Nov 2019 07:26:22 +0000 https://www.jagoinvestor.com/?p=65213 Since India offers higher interest income as compared to many other countries, many NRIs prefer India for fixed deposits or term deposits. However, they are afraid of foreign exchange risk as well as taxation norms. So, if you are an NRI, looking for a safe investment option in India without obtaining approval of RBI, then […]

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]]> https://www.jagoinvestor.com/2019/11/fcnr.html/feed 0 65213 Retirement Time Bomb (60 min video discussion) https://www.jagoinvestor.com/2019/10/retirement-planning-video.html https://www.jagoinvestor.com/2019/10/retirement-planning-video.html#comments Tue, 29 Oct 2019 06:25:21 +0000 https://www.jagoinvestor.com/?p=65521 Here is a 1-hour deep discussion on the topic of Retirement Planning and how India is set to have a massive problem in the coming times (and it’s still going on). In this video, I talk with Mr. PV Subramanyam (also called as Subra) who is a retirement expert and has also authored a best […]

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]]> https://www.jagoinvestor.com/2019/10/retirement-planning-video.html/feed 6 65521 CRED App Review – Earn rewards on paying credit card bill https://www.jagoinvestor.com/2019/10/cred-review.html https://www.jagoinvestor.com/2019/10/cred-review.html#comments Mon, 14 Oct 2019 10:10:56 +0000 https://www.jagoinvestor.com/?p=64713 Today I want to do the review of the CRED app. I have been using it for the last 12 months already. CRED is an app, which gives you rewards on timely payments of your credit card payment. If you are not using this app, you may be making credit card payments anyways by other […]

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]]> https://www.jagoinvestor.com/2019/10/cred-review.html/feed 36 64713 Reduce your premiums by 20% – Zone Based Health Insurance https://www.jagoinvestor.com/2019/10/zoning-health-insurance.html https://www.jagoinvestor.com/2019/10/zoning-health-insurance.html#comments Mon, 07 Oct 2019 05:24:44 +0000 https://www.jagoinvestor.com/?p=64208 Do you know that your health insurance premium may depend on your city? Yes, there is something called “Zone-based premium” in the health insurance industry which I will share in this article today. For instance, the premium amount for a person aged 30 years, living in Delhi, might be higher than the person of the […]

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]]> https://www.jagoinvestor.com/2019/10/zoning-health-insurance.html/feed 14 64208