“Do I invest via PMS?” is a question that pops up every now and then. I haven’t tried Portfolio Management Services (PMS), and have no intention of doing so. This post details my reasons. Downsides of Active Investing PMSs, by …

If you browse any credit card forum, you will quickly notice an obsession with Life-Time Free (LTF) cards. There are innumerable queries about how to get one, and countless show-off posts when someone gets a premium card without any annual fees. I …

We have previously discussed why you should frequently sell your employer-granted RSUs (Restricted Stock Units). But the rules governing the proceeds from sale of the RSUs were archaic and cumbersome. I recently came across some regulatory changes …

Goal-based investing (“Accumulate X amount by date Y to be able to do Z”) has become quite prevalent in recent times. However, its implementation for long-term goals requires a careful step that few people do—reduce equity allocation as …

Like death and taxes, stock market crashes are a matter of when, not if. While crashes invariably cause pain, they also provide an opportunity to save on taxes by enabling tax loss harvesting. But first, what is tax loss harvesting? The essential …

Browsing LinkedIn, especially being a product manager, can be depressing and intimidating. You will notice that everyone is a leader, a visionary or a futurist, working on the coolest AI features, and responsible for entire lines of products. They …

Google’s publicly-available AI offering has come a long way from the days of Bard. While the Gemini Flash model, available for free at gemini.google.com, is quite capable, it often falls short of the capabilities of the most advanced models …

The most important factor driving the need to start retirement planning early is the magic of compounding. Compounding may seem slow in realtime but its long-term effects are so powerful that it forces one to plan finances decades in advance. A book …

MyGate recently paywalled the feature that allowed pre-approving deliveries up to 30 days ahead. This was handy for managing frequent e-commerce deliveries, say from Swiggy or Amazon. But now, each delivery requires individual approval, making the …

The task of filing taxes on foreign capital gains and dividend income is an involved one. If you are not careful, you could either end up in breach of tax law or end up overpaying, neither of which is pretty. Though hiring a CA can be helpful, …