The Wealth Architects

We Design Your Financial Destiny

(Precious) Words of Wisdom : "Who is the ideal adviser? A person who likes you but doesn't care about your feelings." ~ Daniel Kahneman

Should You Stop Investing In The Debt Mutual Funds?

Well, the straight and simple answer is NO.

An unnecessary scare is being created in the media around the safety of debt funds.

In recent times, there have been some 'minor' problems with a 'few' of the debt funds. This has been blown out of proportions. So much so that investors are getting excessively worried.

SIP Top-up : A Tool To Create Wealth

Systematic investment plans (SIPs) have emerged as a powerful and popular tool for investors to meet their financial goals.

There are, however, times when some financial goals seem difficult to achieve within the required horizon due to paucity of funds.

Latest Post Office Small Savings Schemes Interest Rates

The Department of Economic Affairs, Ministry of Finance has announced the latest interest rates on the Post Office Small Savings Schemes for the period April to June 2019.

This was notified vide its Office Memorandum 'Revision of interest rates for Small Savings Schemes' dated Mar 29, 2019.

Pre-Approved Loan Facility

Loans are one of the best options to settle your financial payments. When it comes to dwindling expenses, personal loans are the most appropriate option to rescue you from the same.

There must have been times when you receive calls and messages for getting a pre-approved personal loan. Not just calls and messages, while withdrawing money, you might also see messages popping on the ATM screen regarding pre-approved loans. Well, these are promotional actions undertaken by the banks and lenders in order to you the loan.

Don't Let Your Gift To Loved Ones Become A Junk

Open your store-room and a number of unopened boxes would fall on your head. These are the various anniversary, birthday or similar such gifts that you received over the years from your relatives / friends.

Unfortunately, many of them landed straight into your junkyard.

Reasons? There were too many clocks, too many casseroles, too many bowls; it didn't suit the decor of your house; the colour / design didn't match your tastes, etc.

There Are 'No' Best Mutual Funds For Investment

Over the last 10-12 years — since I became a mentor on personal finance and investments — I have been asked one question a million number of times, "Which are the best mutual funds to invest in?"

Whether it's the friends or relatives or colleagues or at the social gatherings or through emails or at Quora, this question has repeatedly haunted me ever since.

My answer, of course, has been one and simple, "None. There is no such thing as the best mutual fund(s)."

Don't Underestimate The Power Of Financial Literacy

There's no denying the importance of knowledge in today's information age.

There's no denying the importance of money in today's consumption age.

Combining the two, there's no denying the importance of 'knowledge about money' i.e. financial literacy.

An Investment In Knowledge Pays The Best Interest ~ Benjamin Franklin

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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... Three VALUABLE Tips ...

1. How Rs.1 Lakh Became Rs.1 Crore In Mutual Fund Scheme
Reliance Growth Fund
Stay invested through all the rough and tough times.


2. Guaranteed Income Insurance Plans Misinform Misguide Mislead
Guaranteed Income Insurance Plan
I sincerely hope you spill coffee over guaranteed income insurance form.


3. Should You Opt For Home Loan With An Overdraft Facility?
Home Loan With Overdraft Facility
Wondering whether an Overdraft Account linked to Home Loan is Ok or not?