Sanjay Matai, The Wealth Architects

The Most Authentic Guide on Personal Finance and Investments

Ebook: 101 Classic Tips on Money Management @Rs.125/- only. Grab it on Pothi.com

Guaranteed Income Insurance Plans Misinform Misguide Mislead

Warning: Guaranteed income insurance policies are GUARANTEED to harm your financial health.

Don’t believe me?

Check it out for yourself...

For your easy understanding, I have divided this whole drama into three Acts.

digibank: Now Open A 7% Savings Account In 90 Seconds

E-wallets and digital banking applications are the future. And the future is here!

Introducing digibank, India’s first digital only bank account, by DBS Bank Ltd. DBS is a multinational banking and financial services corporation headquartered in Singapore.

Right from offering a 7% interest rate on your Savings Account, the ability to register a new account in 90 seconds and multiple other benefits listed below, digibank is worth a look.

Are Balanced Mutual Funds And Superannuation Good For Retirement?

In this blog post, I share with you a couple of investment queries received from my blog readers... with retirement as the common thread... and my solution to the same.

These pertain to two investment alternatives viz. Balanced Mutual Funds and Superannuation Fund.

Since numerous people face similar issues, I am sure these would add value to your day-to-day money management.

LIC's 8% Guaranteed Pension Gift For Your Senior Citizen Parents

The budget 2017-18 had promised an assured-income pension plan for the senior citizens.

PMVVY — Pradhan Mantri Vaya Vandana Yojana — is the fulfillment of that promise.

As usual, LIC is the agency that would manage this scheme.

Listed below are the salient features of PMVVY...
... and the all important question - Is it a worthwhile investment vis-a-vis the other options?

'Stock Markets At An All-time High' Is Absolute Nonsense

"Markets are at an all-time high".

In last 27-28 years, since I first began investing in the stock markets, I have heard this statement on numerous occasions.

Frankly speaking, it is the most stupid, absurd and pointless statement in the history of human communication.

A genuine stock market investor would NEVER ever say such a thing.

Let me explain.

Herd Mentality: Why Do We Follow The Crowd? And Is It OK?

Around 20-25 gazelles are lazing around in the afternoon sun, casually munching grass. Suddenly, one gazelle jerks up its head... and starts running. It has apparently heard some strange noise. Seeing this, all other gazelles too start running. No one bothers to check whether the threat is real or imaginary.

This is nothing but Herd Mentality.

Humans too often exhibit this tendency to — blindly — follow the crowd.

51 Wasteful Money Habits Why We Fail To Become Rich

If you are born poor it’s not your mistake. But if you die poor it’s your mistake.” ~ Bill Gates

Well, having spent more than a decade as Financial Mentor, I can safely conclude from my experience that numerous people are making numerous mistakes with their everyday money matters.

This is indeed quite surprising.

Because... we believe that we are the most intelligent species on this planet!

The reality, however, is that irresponsible, reckless, thoughtless and (sometimes) even stupid financial behaviour is quite common.

You Learn A Lot By READING... And Even More By SHARING.

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Ignorance is like a SIGNED BLANK CHEQUE... anyone can MISUSE it.

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