by Naveen Julian Rego | Sep 13, 2024 | Personal Finance
Large medical expenses, disability and death can sometimes seriously affect a family’s personal finances. While we cannot predict, we can definitely plan to mitigate the financial issues concerning such events. Below are our key thoughts which could be...
by Naveen Julian Rego | Sep 2, 2024 | Personal Finance
“Risk is what’s left over after you think you’ve thought of everything. We are really good at managing risk by looking backward and preparing ourselves to handle a situation we’ve already seen… only better this time. But we’re not very good at preparing for...
by Naveen Julian Rego | Aug 31, 2024 | Personal Finance
The following are our observations and thoughts on the above. Do note we have only incorporated the simpler parts which affect most of us leaving aside the complexities. Parity has been brought about in capital gains taxes for various assets like Shares, Mutual...
by Naveen Julian Rego | Aug 30, 2023 | Personal Finance
We feel that greed is gradually coming back. This is because many have experienced extremely wonderful short term returns especially in small/mid-cap stocks and also in mutual funds focused on these segments. Equity markets are definitely not cheap and investors...
by Naveen Julian Rego | Jul 17, 2023 | Uncategorized
Greetings from us!! We completed 20 long years of our Financial Planning journey on 13th July 2023. This has been an awesome journey for us to learn and unlearn so many things. I would like to pen down 20 important points of my practical learnings during this...
by Naveen Julian Rego | Mar 8, 2023 | Debt Mutual Funds
Most of us manage liquidity by parking funds in savings/current accounts and short-term fixed deposits. These are very convenient and easy to manage. The potential drawbacks are as follows: 1. Current accounts do not give any returns. 2. Savings account give returns...
by Naveen Julian Rego | Feb 7, 2023 | Uncategorized
The following are my thoughts on the Union Budget 2023 proposed by our Honorable Finance Minister. I have specifically addressed the relevance on one’s personal finances leaving the other things for the economists to dissect. Also, I have given a simplified view...
by Naveen Julian Rego | Jun 7, 2022 | Personal Finance
We are always looking out for investment products which would make sense in our client’s portfolios. The selection is majorly dictated by simplicity, lower costs and ease of management. Past/future returns would not be the sole criteria for these selections as we...
by Naveen Julian Rego | May 10, 2022 | Retired
Many of our Senior Citizens are dependent on regular income for their sustenance. The objective of this article is to give a broad understanding on the way a simple portfolio can be constructed by Resident Indian Senior Citizenswhich is safe, liquid, tax efficient and...
by Naveen Julian Rego | May 10, 2022 | NRI's
The following points are very important for NRIs/PIOs who are coming back permanently or planning to stay back in India for an indefinite period: NRE deposits become taxable from the day you land back in India. This is because NRE deposits are tax exempt for NRIs only...
