Finance Hacks | Finsmacks

To bond or not to bond with capital gains, that's the question

Smitha

Jun 20, 20243 min read

To bond or not to bond with capital gains, that's the question

This is a blog to articulate options available to people who have Long term capital gains due to sale of residential property

The bond route to finding short term investment Opportunities with over 8% of annualized return...

Smitha

Aug 30, 20234 min read

The bond route to finding short term investment Opportunities with over 8% of annualized return...

A few months back, I decided to explore the secondary market for bonds, particularly Non-Convertible Debentures. I purchased some Shriram...

Smitha

Aug 30, 20233 min read

Pesky financial terms - Part I

I recently wrote a blog about achieving decent short-term returns with debentures and bonds. However, as I revisited my own writing...

Smitha

May 21, 20233 min read

Decoding the "no-cost" EMI carrot...

Years ago, I bought a HP 7 inch slate with voice calling (Yes - HP actually made voice tabs in India for a very short, blessed time!)....

Invoice discounting (part 2/2) - how do we get in on the action?

Smitha

Apr 13, 20235 min read

Invoice discounting (part 2/2) - how do we get in on the action?

I discovered the concept of invoice discounting when a then-colleague told me about a startup his ex-manager had founded. I got looking...

Invoice Discounting - say what? (Part 1/2)

Smitha

Apr 11, 20232 min read

Invoice Discounting - say what? (Part 1/2)

When I was studying for my bachelor's degree (a very staid B.Com), there was a subject called "Banking". It was one that I do not have...

Smitha

Apr 2, 20234 min read

RBI Retail Direct - Worth It?

A first hand experience of opening and using RBI Retail Direct and NDS-OM accounts

Smitha

Mar 29, 20235 min read

LTCG gone on debt-funds. So what?

If you are (like I am) being blasted by emails, messages and content from Mutual funds, advisors and well-wishers about this being the...

Tax loss harvesting - Last 4 days to go!

Smitha

Mar 27, 20233 min read

Tax loss harvesting - Last 4 days to go!

Tax loss harvesting is a perfectly legal, above board way of optimizing your tax payments on capital gains. Ideally, it should be done...

The RSU saga continues (Part 2/2) - Taxes and More

Smitha

Mar 26, 20232 min read

The RSU saga continues (Part 2/2) - Taxes and More

So I have the shares that vested and I now have shares sitting in your investment account in the US. What do we do now??? Let us assume I...

Managing RSUs from India : Understanding the basics - Part 1/2

Smitha

Mar 25, 20236 min read

Managing RSUs from India : Understanding the basics - Part 1/2

When I first saw "Restricted Stock Units" or RSUs in my compensation package, I felt like "I had made it", because it made me feel...

Smitha

Mar 21, 20231 min read

A cheat-sheet for tax on investments

Tax reckoner for investments from India on FDs, NCDs, Equity, mutual funds and more.

Smitha

Mar 8, 20232 min read

The Gold Route

I have been invested to some extent in gold, but not physical gold. To me, physical gold is not an investment but an expense since...

SIP vs Lumpsum (timing the market) - Part 2/2

Smitha

Mar 5, 20232 min read

SIP vs Lumpsum (timing the market) - Part 2/2

Post the whole SIP vs lumpsum analysis, I wanted to see what the XIRR would be if I could (somehow) time my investment. Of course...

The classic question: SIP vs lumpsum investments (Part 1 of 2)

Smitha

Feb 28, 20232 min read

The classic question: SIP vs lumpsum investments (Part 1 of 2)

This is a standard question I always have regardless of how many articles I read. Everytime the market falls and subsequently picks up, I...

Smitha

Feb 27, 20231 min read

Direct vs Regular funds

Most people have SIPs running for equity. To SIP or not to SIP is a whole different analysis, but I do not want to divert my analysis...

To will, or not to will... that is the question...

Smitha

Feb 26, 20233 min read

To will, or not to will... that is the question...

The idea of making my Will just makes me morbid. And it also is a touchy subject in most families, not just because it is associated with...

Smitha

Feb 25, 20232 min read

PPF vs VPF - which one do I go for?

I apologize upfront for the dry nature of this blog post. I cannot do much about a topic which is actually very boring except make it...

Another to-do: Nominee update (and what a nominee is not!)

Smitha

Feb 24, 20232 min read

Another to-do: Nominee update (and what a nominee is not!)

A few months ago I attended an online session with a lawyer on making a will. I will summarize that call seperately, but It broke one...

The infinite loop of auto-renewal a.k.a the cardinal sin of FD opening...

Smitha

Feb 22, 20232 min read

The infinite loop of auto-renewal a.k.a the cardinal sin of FD opening...

Let me tell you a story. Long long ago, so long ago, noone knows how long ago - I opened a fixed deposit. Not sure why I needed to or...

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