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Financial Planning Infographics

Rubik’s cube (puzzle cube/magic cube) has an excellent resemblance to our lives – in particular our financial lives.  It is clear that in order to solve a Rubik’s cube puzzle you need to acquire a certain skill set. The irony is that although each puzzle [...]

TDS for NRIs – All You want to Know

Income earned or accrued by NRIs in India is subject to tax in India. Section 195 of the Income Tax Act covers Tax Deducted at Source (TDS) on payments made by non-resident Indians. The rates and conditions for TDS are different for Non Resident Indians [...]

The 3 Stages Of Retirement

Have you thought about and tried answering these questions? What will I do after retirement? Do I have enough money to take care of my retirement? How will I maintain the same lifestyle once I stop getting regular income? Image courtesy of bplanet at FreeDigitalPhotos.net [...]

Education Costs – Are You Ready?

Education is the best gift you can give to your children. But quality education costs a lot of money. Moreover cost of education rises steeply. In India it rises more steeply than in other countries. This chart shows the inflation in education, health and CPI. [...]

UPI – How it’s better than E-wallets, NEFT or IMPS

The recent demonetization drive has also made people look for alternate methods of doing business. It has made people aware that there are cashless methods to conduct transactions as well. In this context let us look at UPI - which looks better than many existing [...]

NRI can use DTAA as a Tax Planning tool – India

What is double taxation? If you are an Indian and a resident in another country ( NRI)  with multiple sources of income across both the countries, you can get taxed twice – once in your resident country and once in India. There are other ways to [...]

Do NOT Opt for Home Loan Protection Insurance Plans

First I thought the title of this article should be "Home Loan Insurance - Daylight robbery" - so you can imagine what I am trying to say. Most of us wish to have a home in our own name. From a financial perspective, it is a [...]

A Dynamic Life cannot have a Static Financial Plan

Life is a series of events. Some have a big impact and some have a small impact. Many of them have an impact on your financial plan. We can either be pulled and pushed by the tide or proactively manage the change. It is important [...]

Short Note for our Clients – Trump Win & Modi’s Strike on Black Money

Donald Trump wins US Presidential – against all odds & predictions. Most of the opinion Polls were giving 95% chances to Hilary until the end of Voting & then what happened is visible in this picture. We shared this note with our Planning clients on [...]