FinLeap – Articles

For the investor who knows what he is doing, volatility creates an opportunity, said John Train, an American investment advisor and author of many books on investing. Alas, this is not the case with most investors. Notional losses have got investors concerned about their investments. In my interactive sessions, I have been meeting investors, who

Returns, returns, returns—past, present and future. That’s what most investors focus on. Whether it is on personal finance shows on TV or online, typical questions from investors are around past and expected returns. Participants at financial literacy sessions too are focused on tax deductions and returns. Meetings with potential clients initially revolve around the high

The untimely death of a loved one is traumatic. Having to manage financial matters while coping with the loss is even more distressing. In most Indian households, it is the male members who manage money and do not want to or think it necessary to involve their wives in the same. It is a well-known

Only two per cent of India’s population pays tax. While data from the income tax department shows that the number of taxpayers in the salaried and non-salaried categories is the same, the percentage of non-salaried paying taxes, is lower.  Of this, the biggest gap would be with professionals such as doctors, Chartered Accountants, lawyers and

There are a lot of expectations from the upcoming budget and the new Finance Minister Nirmala Sitharaman. The government’s focus remains GDP growth and a very important component of the GDP is tax receipts. India’s direct tax to GDP ratio stands abysmally low at 5.98% as of FY18. A higher ratio can be achieved by

Being a YouTuber seems to be the most favoured gig these days. You can just say anything and get away with it! And for many people, social media seems to be the easiest place to find something. Recently, I came across a 26-year-old lady who was dishing out investment advice along with tips on gardening,

Yet another friend called seeking the reference of an advisor. She has tried various financial advisors but found it difficult to work with them for various reasons. Her biggest grouse was that they treated her like a “dumb woman” with no investment knowledge. She was turned off with the constant use of jargon and advisors being full

My kids, aged 14 and 9, sometimes wish I was not a financial advisor so that I would allow them to spend the way they liked. Clothes, books, shoes, art supplies, junk jewellery, makeup, gadgets, classes – the list of things teenagers need is endless. Not to forget outings with friends. In today’s time, one

Most policies, except group covers, do not cover maternity expenses. If you want to store the stem cells, you need to have ₹50,000 for the same. You have a new arrival on the way and so many things to plan. While you are reading up about health related matters, one important thing to consider is

Mothers Day is around the corner and apart from regular gifts, there is another gift that many children want to give their parents, but are not able to. This is a comfortable retired life. Most of the times children do not have a formal plan for their parents’ post-retirement life and end up scurrying around