For investors seeking professional management of their hard-earned money, diversification, and an easy way to grow wealth without spending too much time and effort, two popular options often jump to mind: Mutual Funds and Portfolio… PMS vs Mutual Funds : Key Differences
Do you know how the framing effect in behavioral finance shapes Indian investors’ decisions? Learn through real examples and avoid common investing mistakes. When it comes to investing, our decisions are rarely purely rational. Even… Framing Effect in Behavioral Finance: Lessons for Investors
An old friend called me the other day and while catching up, we got onto the subject of investing. With all the uncertainty in the world, with artificial intelligence and large language models constantly evolving,… Invest anyway
I mentioned in the previous post When to Claim Social Security: How Much Does It Matter, Anyway? that a common recommendation for a married couple is for the lower-earning spouse to claim Social Security early… How Does Claiming Social Security Affect ACA Health Insurance?
In the past, investing in gold meant buying it physically, which came with concerns about purity, storage, and making charges. Nowadays, with the rise of digital platforms, these challenges have largely disappeared. One of the… Gold SIP in India: How to Start, Where to Invest
EPF and EPS withdrawal rules after job loss explained with examples. Learn EPF liquidity, EPS 36-month rules, 8.33% employer cap, and pension continuity. When the new EPF and EPS withdrawal rules were first announced through… New EPF and EPS Withdrawal Rules 2025: After Job Loss
Image Source: Shutterstock.com In an era where climate change, political instability, and economic crises loom large, certain cities around the world find themselves on a precarious edge. Here are thirteen cities that are facing… 13 Cities on the Brink of Destruction: Why You Should Get Out Now
Gold has been in the news a lot since it’s shot up over 50% in value this year to the lofty price of over $4,000 an ounce. It was already big news when Costco started… What States Collect Sales Tax When Buying Costco Gold
The best investment strategy is to take risks that the market decides to reward. Somebody, somewhere, is always saying something about how much the market will reward which risks. Knowing who to listen to and… Taking Risks That the Market Decides to Reward
Portfolio management services, or PMS, is a type of financial solution designed for individuals who want professional management of their investments. The minimum investment required to avail PMS is Rs. 50 lakh, so it’s suited… Discretionary Investment Management: Benefits & Risks
Social media claims Post Office MIS + RD gives 8.8% returns. Is it true? Find the real post-tax XIRR and bust the myth of so-called experts. Every few months, new videos and social media posts… Can You Really Earn 8.8%?
PFS Buyer Club is an organization that helps source in-demand items from their army of buyers. I’m one of those buyers. There’s no membership fee or anything to join the club, you just get in.… Make a Profit as a Coin Buyer
Retirees on Social Security receive an increase of their Social Security benefits each year known as the Cost of Living Adjustment or COLA. The COLA was 2.5% in 2025. Retirees on Social Security will once… 2026 Social Security Cost of Living Adjustment (COLA)
When Harry Markowitz introduced Modern Portfolio Theory (MPT) in 1952, it revolutionized the way investors thought about risk and return. For the first time, investing was explained not as random stock picking but as a… Portfolio Diversification: Theory vs. Real-World Impact
Post Office Small Savings Scheme interest rates Oct–Dec 2025 remain unchanged from July–Sep 2025. Latest PPF, SCSS, SSY, NSC, KVP, RD, FD rates. Every quarter, the Government of India reviews and announces the interest rates… Post Office Interest Rates Oct–Dec 2025
At a few airports around the country, there are free programs that let you skip ahead in the security lines. We all know about CLEAR, which costs $209 a year, but did you know they… How to Skip the TSA Security Lines for Free
Retirement account contribution limits are adjusted for inflation each year. Most contribution limits and income limits are projected to go up in 2026. Before the IRS publishes the official adjustments for the next year in… 2025 2026 401k 403b 457 IRA FSA HSA Contribution Limits
When it comes to wealth creation, there’s one timeless principle — start early, invest consistently, and stay patient. Equity SIP (Systematic Investment Plans in equity mutual funds) are one of the most effective ways to… Achieve Big Goals with Equity SIP Investments
PFRDA proposes big NPS changes: SWP-style payouts, 80% tax-free withdrawal, and loans against your corpus. Learn all the new rules in detail. On 16 September 2025, the Pension Fund Regulatory and Development Authority (PFRDA) released… Proposed PFRDA NPS Exit Changes 2025: SWP & 80% Tax-Free
I grew up with a solidly middle class upbringing. My parents owned our home, my dad worked full-time and my mom worked part-time. We were frugal, as many immigrants are, because we had to be.… 6 Tools to Overcome Financial Insecurity & Anxiety
When you buy real estate or apply for a loan or a visa, you may be asked to present proof of sufficient funds. You can submit an account statement, but a statement contains much more… Proof of Funds or Balance Confirmation for Fidelity Accounts
