Gold Investment is not so common in India. Now you must be wondering we Indians hoard so much gold then why i am saying so. That is correct that we buy too much gold but not as a Gold investment. Mostly it is jewellery or gold coins at occasions like Akshaya Tritiya or Dhanteras. According to World Gold Council, Indians have approx 20,000 tonne of Gold. Another 557 tonne is held by the RBI. As per my understanding, out of 20k tonne, the only fraction of it would have been bought for an investment purpose i.e. Gold Investment. Purpose of Gold Purchase There can be two types of Gold Purchase ... Read More
Brexit – How It Will Impact Your Personal Finance In Long Term
Brexit is a once in a lifetime event. I read this quote in one of the leading newspaper of UK. It may sound frivolous but has a deeper meaning. I was following this historical event of Brexit from the beginning. My key source of information was international newspapers and blogs. There was not much coverage in Indian Media on Brexit except "There will not be any impact". We are too occupied to cover the sensational news. Only Masala news can increase the readership or TRP. Coverage of Intellectual topics like Brexit takes a back seat. I was quite shocked to read/watch the post-Brexit coverage ... Read More
Low Profit Margin Business – List of 5 Business You Should Avoid
Low Profit Margin Business is a tricky affair for any entrepreneur. The key attraction for Low Profit Margin Business is HIGH VOLUME. For a startup, it is always a dilemma. It is quite enticing to venture into Low Profit Margin Business. Prima facie it appears risk-free. The same business can be either a high-profit margin or low-profit margin. The best example is Food Business. The profit margin can improve if you can command premium pricing. Premium pricing, in turn, depends on the positioning. I discussed the same in my post, High Profit Margin Business ideas for Premium Pricing. In highly ... Read More
Gold ETF – Make Money When Trading at Discount or Premium
Gold ETF or Exchange Traded Fund is a gold holding in Electronic form. Each unit of Gold ETF is equivalent to 1gm of Gold. The price of a Gold ETF is equivalent to the domestic price of the physical gold. Though this post is not about Gold ETF. I will share how to make money from arbitrage opportunity in Gold ETF. Recently, i started investing in Gold through Gold ETF. There are multiple reasons for the same. One of the key reasons was that currently gold is available at a discount through an electronic form. Secondly, the world economic outlook is not looking great. For an investment purpose, ... Read More
Home Loan Tax Benefits – A Mirage or Reality
Home Loan Tax Benefits is one of the key reasons to avail home loan. In other words, it is a motivational factor to buy a property on home loan. In my opinion, it is more of a perception that may or may not be true always. This perception is so deep rooted in our minds that it has become a sort of universal truth. Whenever we decide to purchase a property through Home Loan, our friends and relatives remind us about the attached Home Loan Tax Benefits. The million dollar question is Have you did financial calculations on Home Loan Tax Benefits? Based on my experience i can say that in 99.99% ... Read More
Tax Savings – Check the diff between Pre and Post Tax Return
Tax Savings is a magical word in India. It is easy to sell a financial product with a tag of "Tax Savings". Sometimes i fail to understand whether we invest to save tax or save tax by investing. I think it is former. It will not be an extrapolation to state that we are over obsessed to save tax. Here i am not suggesting that we should not save income tax. The pain point is when we select products for tax savings without financial calculations. In other words, most of the times we compromise on returns to save tax. Because of this reason, the traditional insurance plans like Money Back / ... Read More
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