Personal Finance Articles

Tracking how inflation is calculated is important to any individual, group, government or organisation that wishes to monitor price fluctuations in the economy as well as protect their own savings. Inflation, the movement of prices for goods and serv

Most of us feel inflation long before we ever look at a statistic. You go to buy the same groceries or pay your regular bills and suddenly the total looks a bit higher. That everyday experience is exactly why it helps to understand how to calculate i

Systematic Investment Plans (SIPs) are a popular way to invest in mutual funds steadily, but many investors wonder how to calculate the CAGR for SIP to understand the real growth of their investments. CAGR, or Compound Annual Growth Rate, shows the c

Saving a portion of your salary and allocating the funds to a systematic investment plan (SIP) is quite straight forward. The real challenge arises when you don’t have the luxury of receiving an SMS on the last day of every month that your salary h

The common refrain about investing is that it is a long process hence you must not focus too much on short term returns. But, as Keynes said, in the long run we are all dead and therefore you need to look at short term returns too. Not all goals are

What exactly do we understand by an all-weather portfolio? Obviously, portfolios are supposed to be dynamic and keep changing with the times. But there is a larger approach which is called the all-weather approach. In this approach you take a long te

Investing in a falling market when most investors are selling off their holdings might seem quite odd and different initially. After all, when the market takes a downturn, fear dominates the sentiment and nobody is sure which dip is the last one. How

For Indian investors, understanding taxation is crucial for maximising returns. Among the many tax implications on investments, Long-Term Capital Gains (LTCG) tax plays a key role. Whether you're a seasoned trader or just starting out in the share ma

Understanding how to calculate HRA exemption is one of the most useful skills for any salaried individual, especially if a large part of your monthly income goes towards rent. Most people only look at the HRA mentioned in their payslip and assume the

When we talk about bad financial habits, overspending is the example that is cited most often. This habit is generally developed under the pretense: “It is just this once, next time I will restrain myself”. However, things soon spiral out of cont

Compound Annual Growth Rate is an important metric for investors seeking to understand how their investments grow over time. Many beginners confuse CAGR with simple returns, but it provides a more accurate view by smoothing out yearly fluctuations. K

Many salaried people struggle with understanding their House Rent Allowance because the rules feel scattered and technical. If you have ever wondered how to calculate HRA deduction correctly, the good news is that the actual logic behind it is simple