Sanjay Matai, The Wealth Architects

The Most Authentic Guide on Personal Finance and Investments

Words of Wisdom : "The best way to teach your kids about taxes is by eating 30% of their ice cream." ~ Bill Murray

Best Investment That Will Give The Maximum Returns

Amit is not feeling well for the past couple of days. He goes to a doctor and asks him ‘What are the best medicines?’. The doctor prescribes him a couple of tablets. Amit takes these medicines. But he dies.


Because while Amit may have taken the "best" medicines, they were not the "right" ones for the disease that he was suffering from.

Dividend or Systematic Withdrawal? Puzzle Cracked!

The regular readers of this blog would remember my earlier post on this subject viz. Systematic Withdrawal From Mutual Funds Far Superior To Dividends.

Just to recap:
- You have two options to receive regular income from your investment in mutual funds (especially debt funds) namely Dividend or Systematic Withdrawal Plan (SWP)
- As explained therein, SWP is a far better option to earn periodic income, as compared to receiving dividends.

Six Practical Ways To Raise Money In An Emergency

Life is uncertain. Unfortunate events such as medical emergency, job loss, computer / car breakdown, natural / man-made disaster, etc. can happen to anyone, anytime, anywhere.

Therefore, it is strongly recommended that one should keep aside 'decent' amount of money, in easily accessible instruments, for such emergencies. Else, your emergency fund is useless.

However, if you are unfortunately struck with a calamity and don't have any emergency corpus ready, don't despair. You still have multiple options to raise money... quickly.

3 Offbeat Tips On An Ideal Mutual Fund Portfolio

After almost two decades, mutual funds are finally becoming popular among the aam investors. There is far greater acceptance today of this best investment mysteriously ignored by most Indians till recently.

Of course, there are still a few misconceptions in the minds of the "new" (and some old) mutual fund investors on how to choose the best funds.

The most common among them have been covered on many forums in the past.

Small Savings Schemes Q2 FY18-19 Interest Rates Steady

The Govt. has maintained the interest rates on various Post Office Small Savings Scheme for the 2nd quarter of the current financial year 2018-19.

This announcement was made by the Department of Economic Affairs, Ministry of Finance vide its Office Memorandum — Revision of interest rates for Small Savings Schemes — dated July 2, 2018.

The interest rates were not revised in the 1st quarter too.

Many Credit Card Bills Equals Many Problems

As credit card usage becomes common, it is not unusual to find people using more than one credit card. In fact, having 2-3 credit cards is quite normal nowadays.

Unfortunately, however, this simple piece of plastic has become a WMfD (Weapon of Mass Financial Destruction). 


Know Your Home Affordability: For First-Time Home Buyers

This post is authored by James Paul.

How much home can I afford?

This would be the question cropping up in the minds of almost every first-time home buyers. The second most bothering question will be, "whom should I ask this?"

If you ask a mortgage lender, you might get the answer as "it depends". In general, there is no concrete figure to state your affordability for a home. Apart from the regular nervousness any first-time home buyer would undergo, the most bothering thing would be to know how much you can afford for a home.

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

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MUST READ Posts - Jul'18

a. 4 Easy Tricks That Make You Rich
How to save lots of money
Four financial aces in your hand, that you probably missed...


b. I Hate Losing Money. So I Invest In Stocks.
Hate Losing Money in Stocks
Oops! That sounds quite contradictory.


c. Why Mutual Funds Won't Survive On The Planet Mars
No Mutual Funds on Mars
Mutual Funds would be a totally ALIEN concept on planet Mars.