practical tax & investment planning online
international tax expert / columnist / author / speaker


 The golden secret of earning from saving is not just how much you invest, but also how long you invest! 


  • Managing your money requires more skill than making it.
  • Savings will not make you rich, only smart investments will. 
  • Plan your play and play your plan. Let it not be a ship without a rudder, floating where the tide takes it.

While Manan Patel a conscious investor started timely savings of Rs. 10,000 per month in a Systematic Investment Plan (SIP), his friend Chintan Shah was too preoccupied with his business to find time for planning his investments. Manan’s SIP has a track record of offering a 15% annualized return and thus he has calculated that he would become a ‘Crorepati’ reaping Rs.1.1 crores after 18 years of regular savings. Chintan wakes up 4 years late and also wants to catch up with his friend. However, he is just unable to believe how much his delayed decision is going to cost him when he is told that to earn the same target amount of Rs.1.1 crores in the remaining 14 years, he would be required to invest double the savings amount i.e. Rs. 20,000 per month. 



Gold Exchange Traded Fund (ETF) scores over Physical Gold on counts of

Easy Buying, No Hassles of Safety or Quality & Attractive Tax Benefits!

Glittering Gold has overshadowed many other asset classes in the recent past with a healthy annualized return of around 25% during the last three years. Gold also serves as an excellent hedge against inflation and it makes sense to diversify your portfolio by taking a reasonable exposure to gold as an investment.

Traditionally, the only option available to buy gold was in the physical form whether as in the form of ornaments or as bars or coins. But with the launch of Gold Exchange Traded Funds (ETFs), investors now have the option of investing in gold in the Demat form. (more…)

How Important is Your Will?

Remember That Executing Your Will Is Very Simple

But Its Absence Can Create A Host Of Difficulties!


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