Advisoira

We help in all aspects of personal finance, right from creating a portfolio of investments to insurance and retirement planning.

Posts

When should you buy Annuity Products?
 
Over the years, you might have heard a lot of advisors or "self-proclaimed" advisors suggesting that you really don't need to buy any…
Side-Car Investing: A guide for Passive Wealth Creators
 
For passive shareholders, Sidecar Investing has been one of the only strategies that create the possibility (though far from an assurance)…
The Power of Dividends: Why They Can Boost Your Stock Returns
 
Do dividend-paying stocks outperform the market? A study by Blackrock found that between 1978 to 2022 companies that either grew or…
Invest Like Charlie Munger and Multiply Your Wealth
 
Charlie Munger, the Vice Chairman of Berkshire Hathaway and partner to Warren Buffett is a legendary investor with a unique philosophy that…
Gudi Padwa Special: Festival Investing Wisdom
 
As we celebrate the festival of #GuddiPadwa, let's take a moment to learn and analyze the synonymity between Guddi Padwa and investing: The…
Nifty's struggle, can you make money?
 
Over the past year, Nifty has been range-bound delivering less than an FD. The markets have neither dropped significantly nor are they…
The Blackstone Saga:
 
With one of the largest bond defaults of this year, are we headed into a full-blown recession? If big fintech is burning, could it lead to…
Why do people forecast when it doesn't work?
 
On Saturday'25th Feb, Warren Buffet released his annual shareholder letter. And as always, the crowd was in awe of his jaw-dropping wisdom.…
Why everyone's worried about the US Housing Market?
 
Mortgage Applications to buy a house just collapsed to an index level of 147. That's the lowest level of buyer demand in 28 YEARS. Lower…
Why do Hedge Funds and PE don't make sense?
 
Most hedge funds have a 2-and-20 fee structure: A 2% management fee on the assets—a 20% performance fee on the profits. Whether the market…
What should you really make of 'Optimism'?
 
Growing up, we are often propelled to be optimistic at all times. A quote by Naval: "Pessimists might sound intelligent but it's optimists…
Avoiding the worst-performing days can boost your investment returns massively!
 
In one of our earlier posts, we have written about the impact created by staying invested and what would happen to your investments if you…
Does meditation boost investment returns?
 
If you are contemplating looking for a fund manager to manage your investments, maybe you can consider looking at their calendars and…
First newsletter of 2023, and new changes.
 
Hello to everyone who signed up recently for the newsletter. Wish you a happy new year. Last November, we decided to undergo a few…
Investors Manifesto
 
This week, to help you become a better investor, we are sharing an investors manifesto, prepared by a great investor, Safal Niveshak…
How to own exclusive rights to a movie?
 
Well for most of us, investing in movies is a far-fetched option. Precisely because of the huge amount of investment required to do so.…
Role of Luck in markets and analogy to India's win:
 
India's win gives us fantastic investment insight! If you haven't watched the innings, yet, here's how it went: We needed 28 runs in 8…
Is the US shifting from mutual funds to index funds?
 
Warren Buffett for decades has been saying that passively managed Index funds are far better than mutual funds. In the US, Investments in…
Why does staying invested matter in the markets?
 
What if I told you that if you missed 5 years of being invested in the markets, but were invested for 36 years in the markets from 1979 -…
How hard is it to find a 100 Bagger?
 
Did you know the fastest hundred baggers, meaning stocks that went from 10 Rupees to 1000 Rupees, took a minimum of 4 years to grow,…
Happy Dussehra :)
 
This Dussehra, you can focus on these 10 qualities to become a great investor. A pessimistic interpretation of Raavan's ten heads is the…
Are we headed into another financial crisis?
 
With the recent downfall of the share prices of both Deutsche Bank and Credit Suisse, it looks like another Global Financial Crisis could…
Does buying a house early on in your career make sense?
 
For most of us, a house signifies a significant milestone. Hence, most of us aspire to buy a home as soon as we start earning. Agreed,…
How big should your Emergency Fund be?
 
A question I frequently get asked by clients is, “How large amount is sufficient for an emergency fund?” And my answer has always been that…
Home vs Home Loan vs Term Insurance
 
Which one should you buy? Firstly, let's get the basics right. What do each one of them stand for, and how can they help? With home loan…
A letter from Amazon's Jeff Bezos:
 
During, the dot-com bubble, investors all over panicked. Criticisms flowing through the air. Back then when the world was in turmoil, Bezos…
The Tulip-Mania Saga:
 
(Disclaimer: Today, its long, but interesting!) The Dutch tulip bulb market bubble, also known as 'tulipmania' was one of the most famous…
5 ways to balance savings and expenses:
 
We are often confused as to how should we enjoy the present, yet ensure safety for the future. And believe me, it's a tough battle, day in…
10 Major Death Cases where your Term Plan might not help you:
 
1) Death due to intoxication: The insurance company will not pay the death benefit if the policyholder dies while driving while intoxicated…
Does buying multi-year health insurance policy make sense?
 
A multi-year health insurance policy is a long-term alternative to an annual health policy. A multi-year policy, as the name suggests, will…
7 key learnings from the book: The Millionaire Next Door
 
This newsletter has always been about making you the best investor out there. Not just technically in terms of concept and theoretical…
29.5 lakhs cover for just 35 paise?
 
Yes. You read that right. Most of us travel via train. However, if often do not notice minuscule things that can have a huge impact on our…
Thinking about taking a loan for buying a house?
 
Worried what if the project fails and your money is stuck? We have seen so many movies where a lot of scams happen in real estate and we…
Can Stock-Based Compensations affect investor returns?
 
Many companies proudly announce: “We returned billions of dollars back to shareholders via buybacks”. What’s left unsaid: How much of…
UPI joined hands with Credit Cards. But should you?
 
Linking of credit cards to Unified Payments Interface (UPI) is expected to drive credit penetration into digital payments. In the initial…
10 key features you must know before buying LIC's new life insurance plan.
 
LIC's Bima Ratna plan offers financial support for the family in case of the unfortunate death of the policyholder during the policy term…
Should you buy a term plan with a discount on the premium?
 
When you are 28 years of age and you buy a 2 Cr term insurance with an option to pay the premiums in 10 years with 50% discount instead of…
Claim Tax against your Netflix subscription! How?
 
Are you taking any online courses, or paying for any content to keep yourself updated? Good! But did you know that you can show these as…
What if 0% EMI actually costs you 9% or more?
 
Wait. What? How can 0% not be 0%? From a zero-cost EMI, you are likely to be paying 9% or even more! How? Two things that contribute…
How to battle Rising Interest Rates? As a retail investor!
 
One of the most illogical steps taken by retail investors is to mimic the portfolio strategy followed by a few HNIs. Here's why if you are…
Ever wondered why you buy Airpods when you buy an iPhone?
 
Welcome to the Diderot Effect. Background: French philosopher, Denis Diderot lived in poverty. He was co-founder and writer of…
Do Corporate FD's make sense?
 
Here’s why company fixed deposits (FDs) are very popular investment instruments. They offer risk-averse investors better returns, usually…
Cardless Cash Withdrawals is the new buzzz!
 
The Reserve Bank of India (RBI) on Friday proposed to make a cardless cash withdrawal facility available across all banks and automated…
What if linking your PAN saves you 50% in Taxes paid?
 
That's true. It does apply in one special case. The EPF. The statutory body, EPFO has introduced fresh guidelines for taxation and…
10 New Income Tax Rules for FY22-23
 
Let’s take a look at the new income tax rules that have been introduced for this fiscal year: 1) The interest earned on the employee’s…
Sunday Bonus: $150 million raised for Rhinos?
 
The World Bank (International Bank for Reconstruction and Development, IBRD) today priced the Wildlife Conservation Bond (WCB) in support…
Relying only on your EPF for your retirement? You better not!
 
If you are a salaried person, you would be contributing a part of your salary mandatorily towards the Employees’ Provident Fund (EPF),…
The doom of ArK Innovation?
 
Innovation can reshape industries and change competi­tive dynamics, creating opportunities for innovative companies and risks for…
Using BNPL Services? Your credit score is being affected.
 
Millennials and Gen Zers have an addictive new way to buy stuff that would look familiar to their great-grandparents. “Buy now, pay later”…
Bonus Issue: Buy US Stocks but from NSE?
 
Thursday was a big day for the Indian Stock Markets. Why? Indians can now invest in US stocks through NSE's IFSC. How does this impact…
Day 12 of Fundamental Investing
 
Next, in the Profitability Ratio is the Profit Margin Ratio. ​What is it? The profit margin ratio also called the return on sales ratio or…
Day 11 of Fundamental Investing
 
Next, we start with the Profitability Ratio, the first one here is Gross Margin Ratio. ​What is it? The gross margin ratio is a…
Day 10 of Fundamental Investing
 
Continuing ahead with our Efficiency Ratio, the last one here is Day's Sales in Inventory Ratio. What is it? The day's sales in inventory…
Day 9 of Fundamental Investing
 
Continuing ahead with our Efficiency Ratio, the second one here is the Inventory Turnover Ratio. What is it? The inventory turnover ratio…
Day 8 of Fundamental Investing
 
Continuing ahead with our Efficiency Ratio, the second one here is Asset Turnover Ratio. What is it? The asset turnover ratio is an…
Why is there an emphasis on Long-term investing?
 
If you have started investing, you might have heard or read that: Investing in equities should only be perceived when the duration is at…
Day 7 of Fundamental Investing
 
We had a few email replies letting us know that we were going a little fast. Are we? So henceforth, we'll go a little slower and let you…
Day 6 of Fundamental Investing
 
The third and final solvency ratio is the Debt Ratio. What is it? The debt ratio is a solvency ratio that measures a firm’s total…
Day 5 of Fundamental Investing
 
Continuing with the solvency ratios, the second solvency ratio is the Equity Ratio! What is it? The equity ratio is the investment leverage…
Focus more on Saving or making Returns? Let's settle this.
 
Everyone you meet must be either focused on telling you to save more and not worry about returns, or focus on making higher returns with…
Day 4 Fundamental Investing
 
With yesterday's ratio, we have now completed the most important liquidity ratios. Next, we move on to solvency ratios. The first solvency…
Day 3 of Fundamental Investing
 
This is the 3rd and most used ratio when it comes to analysing the Liquidity of a company. ​The third ratio is called the Times Interest…
Day 2 of Fundamental Investing
 
Continuing with our Liquidity Ratios, today we will be understanding another liquidity ratio used quite commonly. Its called the Working…
Day 1 of Fundamental Investing
 
Today we'll start building knowledge in order to become a fundamental investor. First, we'll be starting with Liquidity Ratios. Ratios that…
Churning your portfolio often? Stats say otherwise.
 
If you are thinking about how low churn affects your returns, here’s an example of why booking short term gains makes no sense: Assume a…
Get out of Debt in a more simple way:
 
Ever heard of a debt repayment hack? (This one is for everyone who is in debt/know someone in debt and want to help them get out) We've…
Are Debt-funds better than FD?
 
It’s one of the hardest questions to answer. To be honest there is no straight answer to this. Often Debt-funds are advertised as…
Sunday Special: Should you invest in Gold? Part 2
 
Last week, we discussed why gold doesn't seem like a very good investment in terms of the return offered. Today we'll explore which…
Can you live off your dividend income?
 
Can you make more from the dividend income in the stock markets or would you make more from a bank FD? The short answer is a bank FD. But…
Fund Rebalancing 101- Week 4/12 Financial Bootcamp
 
Welcome to Week 4/12 of our Financial Bootcamp! If you’re following the financial news this week, you’ve probably read commentary calling…
Credit and Debt 101 - Week 3/12 Financial Bootcamp
 
Welcome to Week 3/12 of the Financial Bootcamp! Today we will understand Credit and Debt! So welcome to - Credit and Debt 101! There is so…
Inflation 101 - Week 2/12 Financial Bootcamp
 
Welcome to week 2 of the 12-week financial Bootcamp. Today, we understand inflation! Given all of the money printing that has taken place…
A reform by RBI, but should you invest?
 
A revolutionary step by the RBI to enable access for retail investors to invest in Government Bonds. But, should you invest in these?  Not…
Derivatives 101 -Week 1/12 of Financial Bootcamp!
 
Today we cover derivatives. The term "derivatives" is often used in the world of finance. But for most people, it is just another example…
Back to Profile
Sign In