Retirement Corpus: How much do you need?

One of the main goals of personal finance is to build a retire corpus which you can outlive. Like earlier generations, going forward very few people will have the luxury of pension. So the onus of building a retirement corpus will be on individuals. But before delving into “how to build the corpus?” one needs to find out “how much is good enough?”.

Papa Kehte Hain syndrome in personal finance

Papa Kehte Hain is a famous song from Hindi movie “Qayamat Se Qayamat Tak” starring Aamir Khan and Johi Chawla released in 1988. Verbatim translation of “Papa kehte hain” in English is “father  says”. Now this not an blog on hindi movies. Rather we will discuss what is meant by Papa Kehte Hain syndrome in personal finance. 

Earn Save Invest : Personal Finance Cycle

In this post lets discuss about Earn-Save-Invest cycle in personal finance. Each cog in this cycle is important for our financial freedom and complements each other very well. As we go along in our life, we should be aware of this phases to maximize financial gain.

Financial portfolio - Key Considerations

Lets look into key considerations that needs to be addressed while building a portfolio:

Capital Appreciation: This is by far the single most important and obvious motive behind building a sound financial portfolio. Investments made should provide real growth post-tax and post-inflation over long period of time. Asset class selected has bearing on how much appreciation can be expected at long term over whole portfolio. While equity, real estate can provide

Procrastination: Biggest Personal Finance Impediment

Procrastination is by far the biggest impediment when it comes to personal finance. Whether it’s paying back debt, retirement planning, paying monthly bills, tax planning most of us think of it as chore and try to push it as late as possible. All these comes back to bite us – March end rush for tax saving, penalty for late payments of credit card and other utility bills,